davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-04-30
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/XXXX XXXX XXXX. I made deposit at the XXXX XXXX XXXX Bank of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I deposited {$4600.00} into the machine. XXXX {$100.00} bills. After getting all the way through completion, the machine rebooted and failed. Green screen and immediate red screen stating atm out of service. I called and bank was closed. I waited until XX/XX/XXXX XXXX XXXX and filed claim. They escalated claim and are now telling me I need to wait XXXX business days for them to investigate. 

My wife is XXXX XXXX XXXX XXXX to pay for. We have XXXX mortgages to pay and and are currently behind XXXX  days and counting. We in desperate need of the monies being refunded. 

At XXXX point I spoke with a BofA associate named XXXX at approx XXXX PST AND she laughed at me!!?? I explained the machine ate my money and this was no laughing matter! My wife XXXX XXXX XXXX XXXX XXXX 

Please help me!!! This is the XXXX time this situation has occurred with bofa atm machines. This is the XXXX  time at the same branch in XXXX XXXX. We are at a loss here and NOXXXX has any sense of urgency.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have 2 bank of America inquiries on my XXXX credit report which i gave no permission. the dates were XX/XX/year> and XX/XX/year>. i am asking for them to be removed they arenot mind.
Consumer complaint received 2023-03-21
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXXXXXX Balance : {$26000.00}.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-05-06
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CT)

I had an account with XXXX XXXX for about a year. This company was used to buy XXXX but never offered a " loan ''. I had to deposit money from my checking account to the exchange - then buy the asset. Now this company " Cedars Business Service '' says I owe them {$360.00} from XXXX XXXX but I never got a loan from XXXX at all - I think this is a SCAM.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (ID)

On XX/XX/2023 I made a lump sum payment of {$11000.00} to Mohela in order to pay off 2 of my student loans ( Loan Sequence # XXXX and # XXXX ). I received a statement dated XX/XX/2023 claiming that I only paid off XXXX of those loans ( Loan Sequence # XXXX ) but that I still owed a total of {$210.00} on the loan ( Loan Sequence # XXXX ). I contacted Mohela via phone about a possible mistake with the payment, and they claimed the amount that I owed was correct so I made a direct payment towards Loan Sequence # XXXX in XX/XX/2023 in the amount of {$210.00} prior to the payment due date. I reviewed a bill letter from Mohela dated XXXX stating that they had received my payment of {$210.00} towards Loan Sequence # XXXX, but that I still owed a total of {$2.00} even after I used their payoff calculator to help me determine the payoff costs of my loan. I contacted Mohela twice in regards to the issue via phone on XX/XX/XXXX & XXXX, 2023 and they told me the issue would get resolved, but that it could take anywhere from XXXX days to resolve. I made a follow-up call to Mohela on XX/XX/2023 with no new update. Finally, after the issue had not been corrected I filed a complaint with the XXXX XXXX XXXX The XXXX helped me mediate the conversation with Mohela, but nothing was ever resolved. Instead of correcting my issue, Mohela made financial adjustments to my account to where I paid off Loan Sequence # XXXX instead of Loan Sequence # XXXX, but no instead of owning {$2.00}, I owed the completed {$210.00} again. Numerous messages and documents were sent to Mohela showing that this was incorrect, and eventually XXXX closed the complaint stating that Mohela was making their best effort to correct the issue. Only then did Mohela reverse their financial adjustments to reflect my initial payment of {$11000.00} which paid off Loan Sequence # XXXX and part of Loan Sequence # XXXX. The only issue now is that Mohela is claiming that I never paid the {$210.00} at all even after I've showed them documentation of payment through bank statements and their own website. Now Loan Sequence # XXXX is accruing interest on {$210.00} and not {$2.00}, even though this loan should have been paid off with Loan Sequence # XXXX initially back in XXXX of 2023. Mohela has been participating in some unethical and shady business practices when it comes to student loan payoffs or disclosing the actual amount due by their customers, and has been dragging their feet for months when it comes to making any meaningful corrections to my account.
Consumer complaint received 2024-04-30
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-11-07
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: BARCLAYS BANK DELAWARE (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : BARCLAYS BANK DELAWARE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Account Name XXXX XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$690.00} and {$530.00} also {$520.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TFS FINANCIAL CORPORATION (OH)

I requested my credit be permanently unfrozen with XXXX  and XXXX  on XX/XX/2021. Third Federal Savings and Loan is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact XXXX  and XXXX  by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc. (MD)

RFGI contacted me in attempts to collect a debt. I have never done business with this company nor do I know anything about how they received my information. I have no contract or written agreement with THIS company to pay or furnish any agreed upon amount.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
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)

Please see Complaint # XXXX This has not changed. Nothing has changedf and I continue to be without access to my credit file. At what point ( 30, 60, 90 days or whenever they please ) do I get something for all of this delay? There should be a daily penalty imposed for circumstances whereby their delay is interferring with the livlihood of a consumer. They would certainly want to impose a charge upon me or even worse - reporting negative and erronous information. And no disrespect the CFPB but they have know about this for more than 6 months. I have return receipts from mailing that show they not only acknowledged receipt of my communications but has taking no action to correct the problem. Please let they know my concern and in the event that I lose the vehicle I am attempting to purchase, I will take legal action as that is the only thing they seem to respect.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MI)

I want to place a freeze on the XXXX XXXX XXXX XXXX, XXXX, Innovis, and XXXX that provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.
Consumer complaint received 2024-05-06
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. (TN)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A.States I have the rights 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 then seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not finish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
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. (AZ)

Early 2020, I was affected by XXXX XXXX Pandemic. Lost job, home, and was living out of car. With no income, multiple accounts became deliquent/past due. Without a means to contact any company, I was unable to call lenders/creditors to inform them of my situation and request accomedations. Late fees stacked up, accounts were charged off or closed. 
XXXX to late 2020, I was able to get into an apartment and start bringing accounts up to current. I tried reasoning with each the respective lender/creditor to no avail. 
Eventually, in an attempt to repair my credit and undo what had been done, I fell victim to XXXX XXXX. For 2 years I waited with baited breath for them to do nothing. After a recomendation from a realtor, I utilised another credit repair company, XXXX XXXX. They made minor improvements in the beginining but then nothing for another year. 
I've attempted to handle things myself but things have become much worse. After my most recent direct dispute with the XXXX major credit bureaus a lot has changed ( and not for the better ). Multiple accounts retain the missing payments ( from when I was affect by covid ) AND now positive payment history ( before and after the negative history ) has been removed. 
I thought the CARES act could help me as it did for others but, I'm at a complete loss for words and have no idea what to do now. 
The XXXX outbreak led me to losing everything. I tried my best to get back up on my feet but have been stunted. I was financially crippled and struggled. It took until this past XXXX for me to finally have some semblance of freedom from debt but my credit score still suffers.
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

This collections company is fraudulently attempting to collect a debt that is not owed along with submitting false information on my credit profile and violating my consumer rights. On XXXX XXXX, XXXX, and XXXX all deleted the original collection account from my credit in which was proved that the information provided was sufficient enough to have removed. The damage to A/C Units is not proved to be caused by me, I was told that I did not owe anything and the original creditor 's manager at the time indicated that I already had paid a payment in advance that would suffice ( see the documents sent in the prior complaint ). This collection agency has refused to speak with me in regard to the matter each time i have called and i have recordings of those attempts to speak with the representative over the account. Per the The Fair Debt Collection Practices Act ( FDCPA ). The XXXX  prohibits debt collectors from using unfair, deceptive, or abusive practices to collect debts. The company has violated my rights in a number of ways, despite this being a fraudulent collections account, the collection company has failed to send me notice of this account being adjusted as they say it was, also I was never formally informed of this collections account that is new as they reported to the credit agencies. If this is associated with the previous collection account that was removed this is in fact illegal what they are doing.