davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to dispute a charge of $ XXXX mycredit cardaccount XXXX XXXX 2023. The charge is in error becausemy credit card was reported stolen and I was not in the country when the card was used. I have proof of my travel if required. I have already made multiple calls to the fraud and claims services explaining that my card was stolen however the agent I spoke to didnt file the claim correctly. This error is because the Bank of America representative did not file the claim correctly. 
The error needs to be corrected and any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is 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 2023-08-02
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. (PA)

On XX/XX/2023, XXXX XXXX ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a business card, I called and was told that a inquiry will not be ran on my personal credit only on my business 's EIN
Consumer complaint received 2023-11-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (VA)

In XX/XX/2022, my wife and I went into contract to purchase a home with an assumable VA Loan from the seller at 2.25 % APR. A closing date was set for the beginning of XX/XX/2022 due to necessity for the sellers and buyers with a clause that if closing was not met the transaction would be cancelled- a date that was 45 days from the initial contract signing. Initially Freedom Mortgage claimed that it would take 90-120 BUSINESS days to complete the processing of the assumption process even though both my wife and I had excellent credit and money on hand to pay all costs, down-payments. After a complaint from the XXXX XXXX XXXX and threats of legal action by the seller Freedom Mortgage was able to complete the entire processing in approximately 30 days, despite repeated delay tactics on the part of Freedom Mortgage. Due to our XXXX XXXX, my wife and I are being relocated and have signed a contract with another veteran to purchase our home with an assumption of the VA loan at 2.25 % APR. Again, a date was set from initial contract to closing of over 45 days to allow for processing. And once again, Freedom Mortgage is attempting to delay completion of processing by claiming they are short staffed. The buyers have provided all requested documentation to the loan processor and are being told it will take 60-90 days to review the application- even though all documentation was provided with more than 30 days to closing. Assumption loans are actually easier to process because there is no loan origination paperwork or requirements for things such as appraisals since the home and loan are already established and all that is necessary is to ensure the new buyer can take-over the loan with the remaining balance ( payments are fixed and amount of time left on loan is fixed ). However, for Freedom Mortgage a VA loan assumption is not as fiscally lucrative as selling a new loan at the current market rates of 7-8 % APR. A good proof of this is that as soon as we listed our home for sale Freedom Mortgage started calling us to advertise their services in providing a new home loan for our new location ( at market rates of course ) and promises to close in less than 30 days. Freedom Mortgage advertises itself as the number one provider of VA loans that is geared to providing quality service to veterans, yet, when it comes to the processing of VA loan assumptions ( perhaps one of the most important veteran benefits currently with high mortgage rates ), Freedom Mortgage engages in delay tactics and horrible communication to customers. The average time per XXXX to process a VA loan by ALL mortgage companies is 30-60 days. Freedom Mortgage needs to do better for their veteran customers.
Consumer complaint received 2023-07-15
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. (FL)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX, Dept of ED/XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-11-19
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. (AL)

Upon receiving a free copy of my credit report I noticed a few accounts that were inaccurately reporting.. I disputed the information back in XXXX and all Equifax did was put a notice of dispute and the inaccurate account continued to report. The account type says a collection account but the account status says open. This is inaccurate reporting because a collection account can NOT be open. 

This is a violation of 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting act XXXX  Account : XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act XXXX  Account : XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-08
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: World Acceptance Corporation (SC)

WORLD FINANCE CORPORATION FAILED TO INFORM THE CONSUMER OF REUQIRED DISCLOSURES PERTAINING TO OBTAINING THEIR PRODUCT AND SERVICES. THE AGENT WHO HANDLED THE FINANCIAL TRANSACTION CONCEALED MATERIAL FACTS THAT CONGRESS FINDS NEEDED TO BE DISCLOSE TO CONSUMERS ON THE BASIS OF DEALING WITH FINANCIAL INSTITUTIONS. WORLD FINANCE AGENT DID NOT INFORM THE CONSUMER ON THE RIGHT TO OPT OUT OF HAVING THE CONFIDENTIALITY OF THIS CONSUMER CREDIT TRANSACTION NOT DISLCOSED TO OTHER THIRD PARTY SERVICING AGENTS. WORLD FINANCE CORP FAILED TO PROPERLY INFORM THE CONSUMER OF MANY OTHER DISCLOSURES REQUIRED BY CONGRESS THAT WOULD SHAPE THE CONSUMER EXPERIENCE WITH THEIR CORPORATION. WORLD FINANCE CORP HAS VIOLATED MANY CODE OF FEDERAL REGULATIONS WHEN IT COMES TO CONSUMER CREDIT TRANSACTIONS. WORLD FINANCE CROP EXPECTS THE CONSUMER TO PAY ON A DEBT THAT IS IN COLLECTION BUT NEVER PROVIDED PROOF OF THE 1099C THEY FILED WITH THE IRS NOR ANY PROOF OF THEIR BOOKKEEPING ENTRIES SHOWING THE LOSS OF MONEY DO TO THIS TRANSACTION.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (AZ)

Interest begins tomorrow and I have called Nelnet ( my loan provider ) every day this week. I have spent hours on hold until I had to hang up. I do not know how much my monthly plans will be and I am confused if there is a deadline to apply for the XXXX program.
Consumer complaint received 2023-07-15
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. (IL)

I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with TRANSUNION. The account XXXX XXXX is ONLY reporting on my Transunion credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : XXXX XXXX XXXX $ XXXX orignal creditor XXXX- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only Transunion and XXXX, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with TRANSUNION and different information with XXXX AND XXXX XXXX this is a violation.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC. (MS)

I have called many times asking to be taking off this car loan account joint with XXXX XXXX. I have never seen or drove this vehicle ever, and it is hindering my credit report.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA (CA)

My account with YAMAHA MOTOR FINANCE CORP has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized XXXX for the same account. I checked my on line account with Yamaha and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted XXXX and XXXX. XXXX advised I call Yamaha directly on XX/XX/23. On XX/XX/23 I called Yamaha in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TN)

Someone opened a checking and savings account and debit card using my name, address, DOB, SS, and email account. 

Contacted Chase Banking Online at XXXX XXXX XXXX XXXX XXXX spoke with Fraud Dept . Who had to have my driver 's license number and other personal information? Was a report was filed and I would receive paperwork in the mail and the accounts were closed.
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

me and my boyfriend were messaging this well-known XXXX XXXX XXXX XXXX which we come to find out he was impostering this account. It was a fully verified account with XXXXXXXX XXXX XXXX told us to wire money to this specific account for a watch we did and no one responded and we got no watch
Consumer complaint received 2023-11-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

During 2023 I was charged {$290.00} in interest. I called numerous times to have payments reallocated to revolving balances instead of be allocated toward special purchases that were not due in full until a future billing cycle. As a result, I was continually incurring unnecessary interest charges. There were times when the interest saver payment was incorrect. I called Capital One to explain this and they could not explain to me how it was calculated. I was charged interest even though I was making payments in full.
Consumer complaint received 2024-03-14
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 am writing to file a formal dispute regarding an auto loan reported on my credit file by XXXX XXXX XXXX XXXX. Despite my repeated attempts to dispute this account, it continues to be verified by the credit reporting agencies. I have provided evidence directly to XXXX, which clearly demonstrates the inaccuracies in their reporting, yet they have failed to take appropriate action to delete the erroneous information. Furthermore, it has come to my attention that XXXX XXXX XXXX XXXX has recently been involved in violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate information provided to credit reporting agencies. This raises serious concerns about the accuracy and integrity of their reporting practices. I hereby request that the Consumer Financial Protection Bureau intervene in this matter and ensure that the credit bureaus promptly removes the disputed account from my credit file. Enclosed with this letter is a copy of the correspondence I received from XXXX, which further substantiates my claim. I trust that the Consumer Financial Protection Bureau will investigate this dispute thoroughly and take appropriate action to rectify the situation. Your prompt attention to this matter. account # XXXX balance {$10000.00}
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-06-08
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. (CA)

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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. (LA)

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 2023-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I get charge a monthly fee every month for XXXX since I opened an account they said they would charge me if I couldnt get atleast XXXX a month into bank account which I have always done
Consumer complaint received 2017-05-10
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: Credit Plus Inc (MS)

I submitted a letter t o Credit Plus inquiring ab out an inquiry on my credit report that I have no knowledge of. I received a response that stated I authorized  XXXX   XXXX   XXXX   XXXX  to pull my credit. I have NEVER applied for a mortgage I have no knowledge of authorizing this and asked it be removed from my credit report.
Consumer complaint received 2023-07-15
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)

I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and information.