davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (AR)

I have a current account with XXXX XXXX and has been paid on time as the agreements stated. The account that they are reporting as a " settled account '' was never in collections or never a repo. 

I sent them a letter to investigate it and the letter I received back is basically telling me they cant locate the account they need more information. I dont have more information, it's what THEY are reporting to the three credit reporting agencies. It appears to be an account from XXXX  which is over 7 years old. 
This account needs to be removed from my credit report. Ive included a copy of the letter sent to them, their response, and a copy of the credit report. 

As you can see on the credit report there were XXXX late payments. XXXX is the only one that is reporting it accurately.
Consumer complaint received 2023-10-14
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. (NY)

Hello, I recently reviewed my consumer reports and found that consumer reporting agencies are inaccurately publishing late payment ( s ) on my consumer report for XXXX Account XXXX XXXX. There are a few inaccuracies in reporting this account. I have attached a document showing inaccuracies. I would appreciate a proper investigation on this account then update the payment history showing all payments are made on time as I NEVER paid this or any other accounts late. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-11
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 am formally disputing and requesting the prompt removal of a fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent account. 

XXXX XXXX XXXX XXXX 

The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over five years.
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BYS, LLC. d/b/a Boost Your Score (MI)

I signed up for a loan with boostyourscore.com. I was unaware that this was credit reporting and that I could have the loan for which I signed up in a year after the account was paid into. I immediately ( within seconds not days ) requested a cancellation of the account and boostyourscore.com waiting until the first payment of {$82.00} was processed and legal action threatened to close the account. After demanding a refund, they are trying to say that with accrued interest charges I am not entitled to a refund. When signing legal contracts, this company looks like a legitimate loan company for people who need it yet it is not. I asked for my refund, was finally told it takes {$60.00} and we wont refund the entire payment. I involved the XXXX XXXX XXXX which resolved nothing.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: JPMORGAN CHASE & CO. (NY)

Not a duplicate, this is a request for additional information that was not provided in response to the first complaint with additional questions. 


JP Morgan Chase bank N.A. left the former property owners debt parked debt on my property XXXX XXXX XXXX, XXXX NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  up until XX/XX/XXXX. I would like an answer as to why the previous owners debt mortgage satisfaction was not resolved at my closing in XXXX? Chase had stated : " We revied our system of records and found under loan ending in XXXX, that the lien release with instrument # XXXX was recorded on XX/XX/XXXX, for mortgage dated XX/XX/XXXX, in the amount of {$60000.00}. The information you requested has surpassed our seven-year retention period allotted for account information to be held in our system of records. '' Chase 's memory limitation of seven years means they do not want to answer legitimate questions. No reason was given for the purpose of leaving XXXX XXXX 's debt on my property to be satisfied 16 years later just after a wrongful foreclosure proceeding began by XXXX XXXX Bank in XX/XX/XXXX. After my closing in XX/XX/XXXX with XXXX XXXX, the former owner debt was supposed to be worked out and mortgage satisfactions recorded with the XXXX XXXX clerk. If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. XXXX XXXX and XXXX XXXX both require a mortgagee to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days in New York. What was Chase Banks relationship with the XXXX XXXX clerk whereby they did not have to file mortgage satisfaction in a timely manner as per the statute? What was Chase 's financial motive for not executing the mortgage satisfaction? Did Chase receive the {$60000.00} from XXXX XXXX? Did Chase want to use the debt on the property for a deed of trust for their mortgage backed securities? Were there previous mortgage satisfactions filed with the county clerk after XX/XX/XXXX and XX/XX/XXXX by Chase Bank?
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/year> attempted to contact XXXX XXXX at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Was informed by XXXX XXXX, XXXX XXXX was out of the office. I requested XXXX XXXX to assist me, however, he ignored my request and did not respond. 
On XX/XX/year> attempted to contact XXXX XXXX again by email and by phone at XXXX on his personal line and also the bank line at XXXX with no response. No response so I resent the email on XX/XX/year>. Once again, no response. 
On XX/XX/year>, attempted to contact via email XXXX XXXX XXXX region at Bank of America in XXXX XXXX XXXX The email address I had for XXXX XXXX continued to bounce. I left a phone message for XXXX XXXX with no response, at XXXX and no response On XX/XX/year>, Filed a formal complaint with Bank of America at XXXX and at XXXX with no response. 
I am a XXXX  year customer of Bank of America and retain a considerable sum in my checking account. Need to have someone respond to me ASAP For the record, I am a Senior Citizen with a partial XXXX and Bank of America shows disparate treatment to consumers such as myself as they have removed drive in tellers and various locations of their branches making it extremely difficult for me to go to the XXXX location they have as there are only XXXX handicapped spaces that are never available therefore I must do business via email or phone ( preferably email ).
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

had atm withdrawls happen on my card that i did not authorized, was denied the claim, i did not authorize these withdrawls bank : bank of america company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CASE NUMBER : XXXX
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I completed my annual income recertification in XX/XX/2024, as requested. My payment increased from {$130.00} to {$200.00}. Subsequently, the DoE issued guidance that income recertification was not due until XX/XX/2024 at the earliest and that if recalculated payment amount had increased, it would be returned to the lower amount. I have called and emailed to have this issue resolved repeatedly, and my repayment amount remains {$200.00}. I was put into a forbearance and the issue still isn't resolved. I don't know what to do at this point, but this is completely unacceptable and they are ignoring this directive : https : //studentaid.govXXXX
Consumer complaint received 2024-04-10
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TRANSUNION, XXXX, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX  XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 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. '' This account is an adverse item they are reporting again 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TRANSUNION and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to XXXX  XXXX.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED., 1.XXXX  XXXX XXXX XXXX SC XXXX 2. XXXX XXXX XXXX XXXX XXXX, SC XXXX 3.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX 4.XXXX XXXX XXXX XXXX SC XXXX PLEASE HELP GET THEM REMOVED.
Consumer complaint received 2024-04-10
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. ()

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 the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2000.00}
Consumer complaint received 2023-12-05
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-10
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TRANSUNION, XXXX, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 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. '' This account is an adverse item they are reporting again 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TRANSUNION and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to XXXX XXXX XXXX.
Consumer complaint received 2023-07-21
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. (NJ)

I've had XXXX unauthorized hard inquiries done. XXXX on XXXX. XXXX ; the other on XX/XX/XXXX. Both inquiries were done by XXXX. When I tried calling the bank, I heard a message saying that the number is invalid.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion credit bureau is reporting 5 collection charges on my credit report. Ive disputed the issue and they have said it is valid. I have asked for a signed agreement or contract that shows these debts are valid with the company reporting it and that these debts are tied to me. The collection agencies keep on sending old invoices and thats not an agreement.
Consumer complaint received 2023-10-12
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. (NM)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-24
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. (CT)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX, XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX  Reporting XXXX different balances under CLOSED accounts - XXXX XXXX ( {$8900.00} ) XXXX XXXX {$12000.00} ) Should not be reporting XXXX different balances and its closed account. This needs be removed immediately. 

See attachments below
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (AL)

Yes XXXX credit XXXX credit report agency an experien credit card allowing other country to handle American personal information from they home how identity thefts come in at violating federal consumer protection allowing someone u can't see or handle your personal information using or personal information or even possible writing writing it down that's something half to be stop with these credit report agency an not updated or credit report scores illegally false information an violation not right not updated or credit score my credit is in good standard conditions how am I'm keep getting denied credit cards an loan 's how my identity got stolen allowing company to uptain or credit information I requested they company stop using home base system to uptain consumer personal information protect cyber security something need to be did about these companies doing united state citizens hire real company employees not other countries how stealing or personal information people you don't know have you're personal information u never know an XXXX  XXXX keep allowing it due to incorrect information on my credit report they need to fix this false information on my report