davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XXXX I opened an account with the Boeing Employees Credit Union. 
On XXXX Received a call and spoke with XXXX In XXXX, WA. who indicated to me that the transaction/my account was under investigation with no more explanations. 
The check from MA cleared on XXXX. ( The Credit Union has the money ) I called today, XXXX and spoke with XXXX at the BECU, who told me that the account is under investigation. He finally gave me some of the excuses - " FLAGS '' on why the account is under investigation ; among the " FLAGS '', XXXX enumerated : - Because I opened an account - New Account XXXX? XXXX -Check unknown to them. ( Again, the check cleared on XXXX ; the bank has the money. 
- The check did not have a line printed under the name of the recipient ( me ). 
- There are " other flags '' to which he can not divulge. 
Finally, he said that the investigation can take up to 90 days. In other words I don't have access to MY money until they decide.They must be kidding right? 
I will be filing complaints with the FTC, the OCC, and others I have emergencies and don't have extra money. Hope you can help. Regards, XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Have XXXX payments showing past due on my account from XXXX and XX/XX/2002 as I dealt with the death of my Father. I had never been later before and had not been late since and was told they would remove it almost a year ago and it has yet to be removed. Was told today by the company it was up to the credit bureau and I needed to file a dispute. I did that over 3 months ago and the credit card company still has it still reporting the same after I had a conversation with them and was told it would be removed because they had seen how my payment history was and has been since opening up my account with them.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NV)

Sony Rewards Credit Card by Comenity Bank sent me several offers to open a new account with them and during the holidays I decided to go ahead and sign up for a new account. The promotions that were offered at the time were opening a new account and getting a {$50.00} in XXXX gift card, a free Game that's worth {$79.00}, and a {$200.00} statement credit if I spent {$1000.00} within the first 60 days of opening that account. Now, I spent almost twice that and opened a ticket with them on XX/XX/, and now every time I call I am getting the run around with them. They are telling me that it will be resolved soon but it has been almost 5 months and I can't get a straight answer from them and they are telling me that the department that handles my case doesn't have a direct phone number or an email. I can't help but feel that this has been nothing but a bait and switch by this company and they are defrauding the public.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Back in XXXX XXXX XXXX I was a victim of XXXX XXXX XXXX XXXX XXXX The accounts open with Capital One Auto Finance and XXXX XXXX XXXX XXXX was not open by me and is fraudulent also enclosed is a copy of a letter from XXXX XXXX XXXX Attorney XXXX XXXX verifying that these accounts are fraud and was not open by me case Number XXXX I demand these accounts be removed from my credit file within 7 business days as required by law.
Consumer complaint received 2022-11-24
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NY)

I have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made things worst. I am in process of XXXX XXXX  by given in proper information regarding my income on applications, pulling my credit on multiple occasions on different dates and finically hardship on loan.
Consumer complaint received 2023-02-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

USAA auto has not corrected the inaccuracies on the 3 credit reporting agencies. Balance, status, payment history all inaccuracies. According to the fair credit reporting all information must be 100 % accurate. 15 USC 1681 15 USC 6802 Obligations with respect to disclosure of personal information. The law requires disclosure allowing me the option to opt out of public information sharing. I have not received any disclosure as per the law.

15 USC 6801 Protection of non public information.

Charge off status IRS considers charge off as income.

Please remove this slanderous comment from all credit reporting agencies.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

This account was charged off XX/XX/2020. Then the report was repeatedly updated every month as charged off for 22 consecutive months in a row. A charged off account should NOT include an active payment history after the date it was charged off. This information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-03-22
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. (CA)

I have disputed with XXXX XXXX and experian and XXXX XXXX. My negative account for a credit card I paid in full and closed is still negatively impacting my XXXX XXXX even though its been over 10 years
Consumer complaint received 2024-02-03
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: William D. Meeker Enterprises, Inc. (NV)

On XX/XX/XXXX I checked my XXXX XXXX and saw two hard inquiries from CIC Credit on the dates for XX/XX/2023 and XX/XX/2023 which I did not approve or give my consent including any of my personal information for this to happen.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly.

With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of 5 accounts that are reporting inaccurate for both of these issues.

Per 15 U.S.C 1681 there should not be any damages on my credit report.
Consumer complaint received 2020-07-30
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: EQUIFAX, INC. (CA)

I applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that the reason why I wasn't approved is because there are accounts in negative standing on my credit report. I looked through every account on my credit report and I saw four accounts that I never opened. The accounts are from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. None of the accounts that were opened with those companies in my name belong to me. I do not have any written/verbal contract with those companies nor did I allow anyone to open those accounts on my behalf. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards those accounts. I have already reported these unauthorized accounts to the police department as well as with the Consumer Financial Protection Bureau.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (VA)

On XX/XX/XXXX at XXXX. I made a deposit using cash app of XXXX. The deposit appeared in my BB & T account and then I heard reports on the news of a bank failure. I checked my account and I saw multiple over draft fees and that my transation was no where to be found. I checked with cash app and indeed they did transfer the money at XXXX. I personally saw the funds there. When contacting the bank, I was told that they have no record of the transaction. I have asked if they would like me to send them any records I have and they have refused to acknowledge that they ever had the credit to my account.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian is reporting XX/XX/2018 as XXXX  days late for the MONTH of XX/XX/2018. How can you be 90 days late in XX/XX/2018 ( a 30 day period ). This is inaccurate, misleading credit reporting. If, There is evidence ( proof ) that I l was ever late for 90 days please provide the bank statements ( documents ) or UPDATE the payment as PAID OK for XX/XX/2018. 
Additionally, Experian is reporting my WORST DELIQUENCY as XXXX ( no date range ) days late, again, please provide documentation that I was ever 150 days late or UPDATE to paid OK.
Consumer complaint received 2023-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Portfolio Recovery Services called me repeatedly and would not leave a message. When I finally answered the number that kept calling me while I was at work they told me they were trying to collect a debt on a XXXX XXXX XXXX that was repossessed in XXXX. I told them that it was settled a long time ago and later found out that it was past the statute to collect on anyway. It was written off and finalized several years ago. In fact when they called about it I had forgotten about it by this time. It was over 12 years ago when that happened.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: First Financial Resources, Inc. (VT)

First Financial Resource put a collection of {$630.00}. They say it was opened on XXXX XXXX XXXX. They state that the original creditor was XXXX XXXX XXXX i have never contracted them for any service. I have never received a bill or invoice not even a call. I was surprised by this collection on my credit. I called first Financial resource and to my surprised they did not have any information like my address or social security number or even telephone number. The only information they had was my birthday and name and that meant the collection belonged to me. i asked them why they were collecting money from me they insisted that i have pay regardless whether i know or dont know about it or else the collection will continue to reflect on my credit score
Consumer complaint received 2024-03-22
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)

My account had its auto payment removed. Neither I or my wife made any adjustments. When I contacted XXXX XXXX I was told they did not either. As a result payment for XXXX and XXXX payments were not made. I recognized this when I got an alert advising that I have missed two payments. 

This missed payments was no fault of ours, as soon as we got this alert I contacted the bank and made the payment ( XX/XX/2024 ) My account was reported as 30 days past due in XXXX of XXXX which is inaccurate XXXX had on 29 days, as a result we only had XXXX XXXX XXXX days
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC (NY)

I contacted Northwest Bank in XX/XX/2023 to get a clarification on the amount owed for my monthly mortgage payment since the amount kept varying with no explanation. The customer service agent said someone would look into it and me call me back to explain. I did not receive an explanation. I contacted Northwest today because at least my last payment was credited incorrectly. And prior payments seem to be credited to principal or interest with no rhyme or reason. I was hung up on and lice chat ended several times today while trying to get answers. This company is unable to explain how my payments are credited. I'm concerned my payments will continue to be mis-applied and my loan will go into default. This is unacceptable.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

XXXX XXXX balance was {$270.00} date XXXX XX/XX/XXXX account number is XXXX This account was paid off from XXXX XXXX XXXXXXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX the Removal date XX/XX/XXXX I never applied for a loan with them XXXX XXXX date open XX/XX/XXXX this account was paid off {$600.00} and still on my credit report account number is XXXX Macys/CBNA account number XXXX this account was paid off {$400.00} XXXX XXXX XXXX Open date is XX/XX/XXXX Account number is XXXX this account was paid off {$500.00} CITI HEALTH/CBNA I never opened and account with these people Open date was XX/XX/XXXX account number XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-22
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. (RI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-18
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. (AR)

On XX/XX/XXXX I noticed that there several hard inquires in my credit for XXXX car dealerships. I also noticed that someone tried to apply for a mortgage as well.
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STL HOLDING COMPANY, LLC (FL)

We applied for a conventional mortgage through the builders preferred lender, DSLD Mortgage. The application was taken by XXXX XXXX on XX/XX/2023. 
The mortgage division for DSLD is located in XXXX, AL and the property we were purchasing was in XXXX, FL. XXXX 's direct phone number is XXXX. 
We did not receive our XXXX until XX/XX/2023. I know this is a clear RESPA violation since I worked in the mortgage industry for over 25 years with XXXX Mortgage. 
Numerous calls and emails were sent to XXXX requesting the XXXX, but to no avail. 
The entire process was a nightmare. XXXX was out on a medical leave and no one worked her pipeline while she was gone. Subsequently, the loan number assigned to me expired and a new number was assigned that prevented me from uploading documents to their website. I attempted to contact one of the managers at DSLD via email, however, he never responded either.
Consumer complaint received 2023-04-24
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. (NY)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding false information that has been reported on my credit report by one or more of the credit bureaus. The false information that has been reported has significantly impacted my credit score and has caused me financial harm.

Specifically, I have identified false information on my credit report that has resulted from identity theft. From my understanding of the law, credit reporting agencies are required to block the reporting of any information that results from an alleged identity theft, except as otherwise provided in the law. However, despite my repeated attempts to dispute and correct this information with the credit bureaus, they have failed to do so. 

I have followed all proper procedures to dispute and correct the information, but the credit bureaus have been unresponsive and have not taken any action to correct the false information on my credit report. As a result, I have suffered significant harm to my credit score, which has impacted my ability to obtain credit, housing, and employment opportunities.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (IL)

In 2021, found LexisNexis ( LN ) report was inaccurate. While working on corrections, it was suggested that I utilize their " opting out '' process which only resulted in LexisNexis refusal to provide me with a copy of my own file for the past year and also never notifying me if the corrections were made. In fact the first time I asked for corrections, my file which had been 10 pages then became 40 pages with more errors. LN falsely reporting that my son is female and that his email XXXX At no time did LN ever state or write that opting out/suppressing would result in me no longer being allowed to review my information and now being told that my identity can not be authenticated after having been authenticated on numerous occasions in 2021.