davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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)

I had previously written XXXX letters to Experian and XXXX requesting that they update their records and update my new address, XXXX XXXX XXXX XXXX, XXXX, North Carolina, XXXX. I just wanted one address, one employer, and one phone number listed on my credit report, but these credit bureaus have yet to update my personal information. I'm attempting to secure a loan, but having a lot of addresses listed on my credit report makes me seem less creditworthy and makes me seem unstable.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX victim of fraud- {$50000.00} taken from me in scam- bank said my fault New account opened Chase Bank XX/XX/XXXX XXXX XXXX Account frozen without my knowledge XX/XX/XXXX, XXXX Account closed without my knowledge Was told all monies would be returned to me on or about the XXXX of XXXX-no check sent Multiple inquiries made with chase bank- keep being told the account is under investigation and monies will not be returned as there is a possible fraud from a wire i received. 
Made many attempts to resolve the situation both on the phone and at the branch level. 
Funds will not be returned- total funds in question of mine are XXXX. 
I have insisted the wire of {$52000.00} be returned to the original sender but chase refuses and blames his bank. I have contatced the sender and his bank and they say that chase will not comply with our requests. 
This has now become a hardship for me as part of the {$6300.00} is a pay check i received on XX/XX/XXXX that was directly deposited into my account from my work is being held. 
Any assistance would be greatly appreciated
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-04-02
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. (NY)

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 2023-11-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WA)

I have had numerous calls from a debt collector claiming their attempting to collect a debt. I ask them for proper documentation of this debt. They just say for XXXX XXXX. I never received any documents other than an email demanding I pay them. They gave me a reference number in that email but there was nothing explaining why they think I owe them.. I responded back asking them to again provide proof or any information that they might have. They have no solid proof or real reason as to why I owe them. Jefferson Capital did not provide validation of debt they claim I owe. I asked for debt verification and they simply provided an amount owed and payment plans. NO form of verification. They are simply hurting my credit score and harassing me at this point.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XX/XX/, HSBC US locked my account, including Checking, Saving, Credit card. When I called them to ask why they did this, HSBC US replied that they would conduct an account Review without giving me the reason or time to solve the problem, but only asked me to wait indefinitely. However, I just put about XXXX XXXX dollars of my real estate transaction into this account before XX/XX/XXXX. Together with the XXXX XXXX dollars stored in this account before, my account contains more than XXXX XXXX dollars, which is a large amount of money. I need HSBC US to return the money to me as soon as possible, rather than locking my account indefinitely and taking possession of my money.
Consumer complaint received 2023-09-02
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. (FL)

So I sent a letter off on XX/XX/2023 to remover my personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party entity.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-12-05
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. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2023-09-02
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
Product: Credit reporting 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. (PA)

Experian deleted one of my bills without my consent in an attempt to fraudulently lower my credit score to deny me credit. They admit this but never offer to fix it. I want them to fix what they did completely. I also want them to restore the score they stole in this error they made.
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (FL)

I am writing to report an issue with my mortgage loan, initially taken out with XXXXXXXX XXXX XXXX  The agreed-upon payment was {$1700.00}. However, after the loan was transferred to two other companies, now serviced by XXXX, my monthly payment has escalated to {$2300.00}. This increase was first attributed to insurance, which I was not informed about, and now to taxes, despite my payments into an escrow account. I have attempted to resolve this with XXXX, including notifying them of a year-long absence due to XXXXXXXX XXXX XXXX orders, but have received no response. Additionally, I was never notified of any impending changes to my payment. The lack of response and transparency is concerning, and I seek your guidance on how to address this issue.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I bought my car XX/XX/2022 and have had problems with Toyota since. They lied plenty of times about the things the fixed on my car which led my car shut off on the freeway with me and my child in it .I have contacted toyota financial plenty of times to try to get a new vehicle and they told me it was nothing the could do about the car or loan. They have been adding extra fees to my account, sold me the car at a higher value its worth and forced me to pay XXXX $ a month on a car they refused to fix. My car has been repossessed and they are trying to charge me over XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
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. (NY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file.
Consumer complaint received 2024-04-02
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. (UT)

To whom it may concern, I recently pulled my reports after you verified the account XXXX XXXX XXXX XXXX XXXX as accurate and noticed you are still reporting inaccurate information. The " date of last payment '' is reporting as XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian, and XX/XX/XXXX for XXXX. This date would change the statue of limitations for this account which would mean the account would come off at different times. Since information is not accurate, this means the account has not been properly verified. Please delete this account immediately
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I viewed my credit reports and saw that it is reporting in the summary/overview that I have 17 late payments on Equifax and 19 late payments on XX/XX/XXXX but there are no evidence of this in the accounts that I have on my reports. 
This inaccurate reporting has been negatively impacting my credit.
Consumer complaint received 2023-09-01
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-04-02
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 would like to express my dissatisfaction and concern regarding the recent attempt to rectify the late opening of my account. 

I initially reached out to your customer service department to address the issue of my late open account. Regrettably, despite my efforts to resolve the matter promptly, the problem persisted. Consequently, I received a second attempt to correct the situation, which has only compounded my frustration. 

The repeated oversight in addressing this matter not only inconveniences me but also reflects poorly on your company 's commitment to customer satisfaction. As a result, I have experienced unnecessary stress and inconvenience, which is unacceptable given the circumstances. 

I urge you to take immediate action to rectify this situation and ensure that such oversights do not occur in the future. Additionally, I request compensation for the inconvenience and time wasted due to this recurring issue. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$530000.00}.
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I checked my credit report today as I am getting ready to buy a house next year and checking to see what is on the report. I was shocked to find XXXX XXXX having an open collections for a debt that I have no awareness of. I had XXXX XXXX years ago and switched to a different insurance company due to better rates. I am not sure why this debt is on my credit report, I received no correspondence of this and it needs to be removed. This is absolutely outrageous and it has tanked my report! Are we not allowed to switched insurance companies now if we are unhappy with their services and rates? I received no correspondence of this either to give me an opportunity to discuss this and have this resolved and now they have tanked my credit scored. This is not okay.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is in reference to complaint XXXX. Transunion said that they verified this late payment, but I sent proof that I paid on time and Im still seeing it on my credit report. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected. I demand this be updated to paid as agreed on all 3 credit reporting agencies. XXXX  XXXX
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America informed me that my account was closed on XXXX XXXX due to suspicious incoming funds. I explained that those funds were sent from my business account in XXXX Bank. They asked me to make a bank-to-bank request to recall the XXXX funds back to my business account in XXXX Bank. I did what they told me and recalled the XXXX funds. However, XXXX recall request was declined by BofA, saying my BofA account was closed, so they could not refund the money ; the other request was put under review for 90 days. BofA even told me, " XXXX bank claimed fraud against you, so you should talk to them. '' I confirmed with XXXX Bank, and it was obviously not true, as I made the claims to recall the funds by myself following BofA 's instructions. 

The whole situation is so confusing. It has been almost 3 months since BofA closed my account, and I still haven't gotten my money back, which I desperately needed. BofA told me there is no limitation on how long they need for the investigation ; it could even take a year. I don't think it makes sense. They could claim any account suspicious and keep people 's money forever for " investigation. '' Please help to intervene. I just want to get over {$50000.00} in my BofA account back to me, preferably on a check. Thank you very much!
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: Experian Information Solutions Inc. (VA)

On XX/XX/2023, I submitted information about inaccurate information on my credit report. Nothing was corrected. The credit bureaus continue to say things are verified and accurate when this is not true. There are inaccurate late payments on my credit report that violate 15 U.S. Code 1666b - Timing of payments. This needs to be corrected. In addition to, my identity being compromised. There are accounts on my credit report that do not belong to me. I have also attached an FTC report that I filed to support this.
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2023 I sent {$1400.00} to a person I thought was a landlord renting out an apartment in XXXX, turns out they were a scammer who had an account at the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX I filed a police report with the City of XXXX, MA and also called Bank of America to have the funds frozen/recalled/claimed back to my account. I was never given a claim number at the end of the five minute phone call and was told that everything would be taken care of at this point by Bank of America. Wrong. They never even filed a claim or recall, never even bothered to write down the police report number I gave them. 

Fast-forward to the present, XX/XX/2023 and I have been told that while the investigation still has XXXX more business days to proceed ( which I was lied to multiple times about what day I was on in the investigation ), but because the XXXXXXXX XXXX XXXX XXXX  has not responded to their internal messaging system ( which I have no proof of or any dates that they sent them on ) they will be denying my scam claim.
Consumer complaint received 2023-09-26
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. (TN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX