davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
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: EQUIFAX, INC. (VA)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (TX)

Social security benefits are transferred to directexpress card. Direct express say they dont have my funds. However when I check by using my as number they have the funds. My card they sent me is a XXXX   balance. 
So I'm having problem finding out who has the money. I have bills. I'm XXXX cant work. I don't have anymore money to get medicine or pay my doctor.
Consumer complaint received 2023-09-21
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. (CT)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-04-07
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: EQUIFAX, 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I called the companies XXXX XXXX XXXX XXXX. I asked to delete all names that are not mine, addresses that aren't mine, birth date and social security numbers that aren't mine. The information was not taken off.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Had reduction of wages by 25 % from XXXX to XXXX. Applied for modification with Penny Mac to assist with mortgage due to garnishment. They intentionally waited and prolonged my request as to report me to the credit bureaus for 30 days late. Then only reduced my monthly payment from XXXX to XXXX or so for proposed three months. But wanted to increase my interest rate from XXXX to > 6 % for them reducing payment to that. I would not sign the modification because it was predatory and unethical. So now they've tacked on all kinds of bogus charges to my loan. I tried to reach out to them to resolve but they're a predatory company that does not want to help.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX is reporting in accurate information if you notice on the attached forms the first day of delinquency is it being listed on either account. Please remove these accounts from my credit file immediately for the multiple times they are violated the The fair credit act
Consumer complaint received 2023-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

Information on my consumer report is still on my report after multiple disputes. My most recent dispute has gone well over 30 days XX/XX/2023 to now.According to the FCRA any dispute that is not answered within 30 days the information must be deleted.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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: ALLY FINANCIAL INC. (TX)

I paid XXXX XXXX XXXX a {$1000.00} deposit in XX/XX/XXXX for an out of state move to occur on XX/XX/XXXX. After several weeks of no response or correspondence, I finally spoke with XXXX on XX/XX/XXXX, when I was advised that their mover wasnt able to complete my move '' and my scheduled OUT OF STATE move of XX/XX/XXXX was being changed to XX/XX/XXXX! Note, I initiated this call & this moving date was changed without my consent any or any notice and or communication. In addition to my out of state move having been changed, XXXX also advised me that my furniture would arrive up to two weeks post the new move date of XX/XX/XXXX?! XXXX told me that they were not able to refund my deposit as my move was cancelled after their XXXX window of having booked my move. 

XXXX not sure where the disconnect is, but I am the victim here as I paid a {$1000.00} deposit for a move that didnt occur due to no error of my own. If I'd cancelled my move, I'd gladly accept my refund not being refunded, however XXXX rescheduled my move without any notice of consent & I shouldn't be penalized due to their shotty service. 

I have previously provided ALLY/OLLO with all of the applicable supports in addition to waiting an extensive wait time to speak to a rep, only to be transferred & placed back on hold and or disconnected. 

After questioning my denial with your rep XXXX on XX/XX/XXXX, her response was theres a lot going on in the world, I guess to say this claim was irrelevant and or was not important. XXXX then requested I send in a second letter requesting my claim be reopened, of which I did. 

On XX/XX/XXXX, I receive a voicemail from Ally requesting a callback. Today, XX/XX/XXXX, I just called Ally back & spoke to a CSR, who transferred me to the Dispute department, who then transferred me to a supervisor, named XXXX. XXXX apologized profusely for the handling of my claim & requested I fax a THIRD letter in requesting my claim be reopened?! XXXX also indicated that she was forwarding my claim to " Management '' and to expect a call within XXXX as I needed to speak to " Management directly '' as she had no authority?! So to clarify my next steps, I confirmed with XXXX, that I was to anticipate a call from " management '' from an unknown phone number, and If they by chance receive my voicemail again, I would need to return the call to their customer service dept. @ XXXX, who will then transfer me to the dispute department, who will them transfer me to a supervisor, who in turn will transfer me to a " member of Management ( if one is available ) '' and she replied yes!!!!!!!!!!!!!!!!!!! 

Aside from my formal complaint regarding my refund, the service provided by Ally is atrocious & should not be tolerated. Please note, that due to the mishandling of my claim, I have since closed my credit card account!
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is 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.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including provide a brief description of the documents submitted. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my account Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for you immediate assistance to remo these items in my account : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

i reviewed a copy of my credit report and noticed that i have XXXX late payments that should be in good standing. according to the creditor they have no access to these specific dates XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I purchased a pair of shoes through an online vendor for {$220.00} on XX/XX/2023 using my Bank of America XXXX. The vendor shipped me the wrong size and refused to correct their error, despite their posted XXXX XXXX on their site, which states they would correct errors made on their part. Despite several attempts to resolve the dispute with the vendor directly, including submitting a Buyer Promise Support Request ( per their process ), I opened a case with the Federal Trade Commission against this online vendor because I believe they acted in bad faith. I also escalated the matter to Bank of America. I submitted documentation of communications between myself and the vendor, pictures of my invoice, the shoes they sent in the wrong sizes plus additional documentation from the shoe manufacturer ( separate entity/not the vendor ), which supported my claim. Despite this evidence, Bank of America denied the claim something they have did previously until I disputed their denial. I need for Bank of America to take the review of these claims more seriously, especially when evidence is provided.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

My complaint centers on LexisNexis reported inaccurate and private information, which has adversely affected my consumer report. A certified notice providing more details is being attached to this complaint and mailed via USPS # XXXX, to LexisNexis to once again inform them of the unauthorized and improper utilization of my consumer report.
Consumer complaint received 2023-04-28
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. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

There are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to delete these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX, my father passed away and had an IRA, brokerage account, and XXXX account with Merrill Lynch. It took me over XXXX calls and emails with Merrill Lynch to finally get the IRA transferred into my mom 's account. She was the beneficiary of my father 's IRA account. There were numerous different advisors who were assigned to my father 's account. I would call Merrill Lynch and be on hold for extended periods ( I had several calls were I was on hold for XXXX hours ). The advisors were not very responsive and when I did contact them, I was usually dealing with another person. During the process, Merrill Lynch had an internal policy that Letters of Testament and other documents needed to be submitted within 60 days and if not, the same documents needed to be resubmitted. Some of these documents were from the courts and/or needed to be notarized. This policy was not clearly communicated. The Letters of Testament was submitted to Merrill Lynch approximately 65 days after receiving it from the court and they wanted me to go back to the court and get another Letters indicating that I was the executor of my father 's Last Will and Estate. 

Finally, in XXXX XXXX ( 20 months after my father 's passing! ), we were able to get the IRA transferred into my mom 's account. She had XXXX and they insisted on talking with her. We had provided XXXX of Attorney information and a doctor letter indicating that she was not of sound mind to speak on her behalf. We had a call set up with the Merrill Lynch advisor and he was not available for the call. 

In XX/XX/XXXX, my mother passed away. We are in the process of trying to liquidate the IRA. My sister is the executor of my mom 's XXXX XXXX and XXXX. My mom 's account has been assigned to XXXX different Merrill Lynch advisors in the last XXXX months as we are working through the process. The advisor on XX/XX/XXXX informed her that another IRA needs to be established with Merrill Lynch for the estate. Then, this IRA can be distributed to XXXX new Merrill Lynch IRAs for all of the beneficiaries. This process described by the Merrill Lynch advisor would take another XXXX months or so. We have repeatedly told Merrill Lynch we want to get the money out of their institution because the service is unacceptable and extremely difficult. 

Whether it is real or not, there is a perception that Merrill Lynch is purposively delaying these processes to keep my parents ' funds - funds that need to be liquidated. We have dealt with many other large organizations in the process of liquidating my parents ' estate and none of them have put up this much resistance. We need some help to get my mother 's account resolved quickly. We are not getting professional help and attention to our matters. 

I