davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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)

I am a known victim of identity theft. My information was exposed in the Equifax Data breach so I have followed the whole protocol to get my file corrected and update but it is going on a year now and the credit bureaus have not changed a thing! I have spent XXXX XXXX XXXX of dollars on postage, my time wasted, paper and ink and even buying letters to send them but they have ignored me. They do not say anything at all. Please help me!
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC (AZ)

I have had a horrible time requesting my PMI be removed due to substantial improvements. I initially attempted to fax my request on XXXX, which has yet to be received. I called several times and have been disconnected half the time. I tried calling in today and need help getting past their automated system as my SSN or loan number is not being recognized. When I chatted with an agent, they did not help me, said my request was still pending and to check tomorrow. I have now requested help through fax, phone, chat, and their messaging portal. It feels like it is drawn out and difficult to maximize the amount of months I am paying PMI, which I should no longer be. I am also unable to access my loan documents through the portal anymore.
Consumer complaint received 2021-03-05
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: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2021, I opened a second dispute of Goldman Sachs with XXXX and XXXX. I submitted proof to XXXX that I sent a verification letter to Goldman Sachs and they did not respond within 30 days. XXXX notified me that their investigation was complete on XX/XX/2021 and the negative reporting of Goldman Sachs remains on my credit report.
Consumer complaint received 2023-12-21
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: EQUIFAX, INC. (TX)

I have examined my consumer credit report, and this marks my second complaint to your agency. Unfortunately, the issue of inaccurate reporting persists across all three bureaus. Despite my consistent efforts to dispute the inaccuracies with Equifax, XXXX, and XXXX, the matter remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

On or about XX/XX/XXXX I went online to sign up with XXXX, reputable dating site. Upon signing up and paying an introductory amount of {$19.00}, I noticed somehow I was redirected to another site. It appeared to be associated with XXXX so I proceeded on. At some point, the amount escalated to {$49.00} per month which included " ALL '' taxes and fees. Further, I noticed my account was being deluged with guys from all over the World. Upon notifying the company, I learned that in fact this was not the dating site for XXXX but a company called Date My Age, an XXXX site. Since I had already paid I remained on the site for {$49.00} which is comparable to other sites. Sometimes in XXXX, XXXX, by accident I found that this company had been making unauthorized charges in varying amounts ranging from $ XXXX {$390.00}, sometimes numerous debits in 1 day on consecutive days. The amount may be over {$10000.00} between XXXX. On or about XX/XX/XXXX, I reported this to my XXXX, Navy Federal Credit Union. They have done nothing but deny all my claims even though XXXX has refused to cooperate or even return the bank calls. I have provided the bank with numerous documents and photos for evidence which they have blatantly ignored to this date XX/XX/XXXX. XXXX is clearly a SCAM dating site XXXX FAKE PROFILES to entice people to spend a lot of money. They have an ANTI SCAM POLICY for refunds for FAKE PROFILES but they DO NOT honor it. Further, there are thousands of other people who have been Scammed by XXXX, whereby the company makes UNAUTHORIZED charges. Banks continue to allow XXXX to steal rather than protecting their own clients. I will be uploading additional documents as I get them
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX XXXX XXXX have violated my rights as a consumer, According to 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item, theyre reporting on several occasions without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 within the title 15 U.S. Code 1681 ( a ) b Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for In addition to this section, 15 U.S. Code 1681a - Definitions ; rules of construction ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have also to the actions of trying to inform these companies on their inaccurate personal information and was met with resistance. 
These actions has caused damage 's to my life, with a few examples of my applications being denied in a time of a need also not being able to support my family in a health crisis .To which has also inflicted emotional damages of depression  in reasoning that I can not find somewhere affordable to live.
Consumer complaint received 2024-04-23
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. (NC)

Upon examining my credit report, I found inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. It is impermissible for them to classify this reporting account as unverified without furnishing evidence within the legally stipulated timeframe. The following accounts require investigation and correction due to erroneous reporting on my credit file, as listed in my credit report : XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX Balance XXXX {$910.00} XXXX  XXXX XXXX Balance : {$27.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX Bank of America - XXXX I noticed an unauthorized charge on my checking account on XX/XX/XXXX in the amount of XXXX from XXXX The first representative said that I could place a stop payment to prevent this company from billing me again but I could not dispute the charge until it posted on my account. I called back on XX/XX/XXXX and a representative told me that it was possible that the stop payment was placed in time and that the transaction would be reversed. This did not happen and the transaction posted to my account. At XXXX this morning, I called to report this transaction. Instead of this being treated as fraud, they listed it as a billing dispute. I asked why and I was told it was because I had a charge from this company almost a year ago ( XX/XX/XXXX ). I never gave this company my new debit card information. 
The representative basically said that I could not get a provisional credit and she did not ask me for any information, She just said the claims department would make a decision. I have no clue what they would base their decision on ; therefore, I called the company that stole money from me. I have paperwork that list several discrepancies. 
I called Bank of America once again and was told that I could fax the information to the claims department. I sent an 11 page fax to XXXX. 
I called this afternoon to make sure the fax was received and Bank of America says they did not receive it. 
I feel as though my request is not being taken seriously, It is a less than a week before XXXX and my concerns are merely brushed off, miscoded as billing dispute and I did not receive any type of temporary credit. This is indicative that Bank of America has no desire to find out the truth. They will not help me and I feel as though I was punched in the stomach this morning when my concerns were not properly addressed. This is not fair to me, I want my claim treated as fraud and I want my money returned to me.
Consumer complaint received 2024-04-23
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 03/15/2024, and I have not yet received a response.
Consumer complaint received 2023-07-31
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. (FL)

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 2023-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

My bank, sent an approved loan check of {$3600.00} on XX/XX/22 to fulfil the remaining balance owed to XXXX XXXX to close my account permanently. XXXX XXXX 's affiliated financial banking institution have claimed to me that they have not received the check. Both financial institution associated with XXXX XXXX, XXXX and Synchrony Bank have said they have no record of the check. However my bank has confirmed the check was received and deposited. 
I have since followed up with copies of the check and letters from my bank sent via mail and faxes confirming all information and still have not gotten my account balance resolved/closed.
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: Experian Information Solutions Inc. (WA)

In XXXX of 2020 I had one late payment for my loan through XXXX now Achieve. They agreed through phone calls that they would delete the one late payment because it was in the beginning of covid-19 and I had not had another late payment since on the account. 
Experian has not updated my account it still shows late reporting on my XXXX acct. Please remove the late payment as agreed through phone calls.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I clearly listed the disputed accounts and detailed the violations affecting my consumer report in each correspondence. 

It has been over 30 days since my initial dispute submissions, and I have yet to receive a response from any of the bureaus. 

Attached are copies of all the letters sent for your reference. 

Please address this matter promptly.
Consumer complaint received 2024-04-26
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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 (FL)

There is a purchase for {$41.00} from XX/XX/XXXX on my Bank of America XXXX XXXX credit card. I was trying to enter in a promo code and instead it pushed through the transaction and they use an app called XXXX, so it already had my credit card information in there. I was unable to enter the promotion code to reduce the cost, and the promotion code was legitimate. And more importantly I was not able to enter my correct address to where I needed this merchandise shipped. Immediately after this, I contacted the merchant through their website and through email, and they still have failed to respond. Then when I called Bank of America which it took forever to actually reach anyone, they said that their system was down and that I could do it online. No theres no way to do it online. I am a XXXX XXXX and Im not geriatric I know how to use a computer theres no way to file the dispute online or over the phone, this is unacceptable and they need to be fined. Thank you very very much. Please shut them down.
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts 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
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (SC)

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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

This marks my eighth attempt to submit a complaint concerning this matter. In 15 days, I intend to update my credit report, and I am concerned that, similar to my previous endeavors, my request to eliminate fraudulent items from my credit reports may be disregarded. I question whether it is necessary to continually remind you that, as per FCRA Section 605B ( a ), credit reporting agencies are mandated to remove any items identified by a consumer as information resulting from alleged identity theft, not later than 4 business days after the date of receipt. Given that none of my letters and complaints have been attended to since the initial correspondence, I am hopeful that 15 days from now, upon updating my credit reports, positive deletions will be evident. I will also attach the FTC report with reference number # XXXX for your consideration. Enclosed are the items that I formally request to be removed from my credit reports across the respective bureaus XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX