davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Service is reporting a {$2700.00} medical bill on my credit as opened in XX/XX/XXXX. This debt is from XX/XX/XXXX and is out of statute in Texas which is 4 years. They are fraudulent reporting it asXX/XX/XXXX. They are a debt buyer. I contacted them in XX/XX/XXXX and it is still being reported.
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I deposited a {$600.00} check from my husband 's XXXX XXXX checking account into my Bank of America checking account using the BOA ATM machine on XX/XX/2018. When I got the receipt, it said there was a two-week hold placed on the check because of the likelihood of it being returned. I have no idea why ; I have deposited my husband 's checks into my account without issues for years. The check cleared his account on XX/XX/XXXX. I have called BOA twice and they refuse to release the hold and insist the funds will not be available until XX/XX/XXXX. I can easily show proof the check has cleared. They told me it is impossible to release the hold while the Connecticut Department of Banking confirmed to me that they have the discretion to release it at any time. So in effect BOA has free use of my {$600.00} for eight days and in the meantime they have bounced at least two items in my account. This should be illegal. If there is proof the check has  cleared they should have to make the funds available. But why should they when they get free use of the money?
Consumer complaint received 2024-03-21
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. (TX)

The information is incorrect. Accounts that show as charge off didnt send 1099 and they supposed to. Then the information being submitted is incorrect. It has damaged my credit score and has hindered me from be able to buy a house. I have tried to dispute through credit karma dispute and certified letter, and nothing has been done. The account amounts and date are wrong. section 609 of the Fair Credit Reporting Act ( FCRA ) i have debts tha have been settled and resold to different collections agencys.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Interactive Attn : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( TransUnion, XXXX, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( TransUnion, XXXX, or XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, Your Name
Consumer complaint received 2023-05-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XXXX I requested validation from Midland Funding on a {$650.00} debt they are reporting on my credit file, they responded however they did not satisfied validation of debt, I responded back on XXXX telling them that they did not satisfy debt validation to provide original contract and sale agreement. 

Today XXXX I pulled my credit report, and they never furnished the credit reporting agencies about the account being disputed. 

I am sending them notice today that they did not furnish the credit reporting agencies.
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: EQUIFAX, INC. (LA)

The account with XXXX XXXX XXXX opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate please remove this from my credit per my FCRA rights this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off not attempt to collect a debt this information is incomplete and inaccurate
Consumer complaint received 2023-05-09
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. (IN)

I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XX/XX/2018 I attempted to log into the Toyota Financial Services website and make my monthly payment prior to a trip I was leaving on. The website would not allow me to make the payment without accepting their news terms of service, but I did not realize the payment had not been made until I received my XX/XX/XXXX statement. I immediately made two payments on XX/XX/2018. They reported me 31-60 days past due and it dropped my credit score from XXXX to XXXX. I attempted many times to speak with someone and I always end up on hold for up to an hour before I finally hang up. They are refusing to fix anything on my credit report and this will hit my pocketbook harder than I prefer by having a poor credit score. They are only interested in explaining the extraordinary efforts I should have taken to get them the payment regardless of the change in terms of service.
Consumer complaint received 2024-03-21
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. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (IN)

I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.
Consumer complaint received 2018-09-06
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: Experian Information Solutions Inc. (NY)

My information was stolen during a burglary in XX/XX/2016 at my home, while I was overseas as a student. As a result my information was fraudulently used to open a number of accounts. This has caused a significant amount of stress as these accounts are reporting to my credit.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (PA)

The following accounts are erroneous and they threaten my livelihood. ( - # XXXX ( # XXXX ) ) XXXX ) XXXX XXXX XXXX # XXXX ( # XXXX ) XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-14
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. (LA)

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 2023-11-17
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. (NJ)

remove all hard inquiries that dont belong to me 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 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

The loan was issued by Citizens one bank, with no payment restrictions. When attempting to make the monthly payments on the first of the month, not after the statement is issued, the bank applied the entire amount to the principal, and when the statement arrived it said that there had not been a payment for the month, charged extra interest, and a late fee. 
When contacting the bank, they service manager said that it was not allowed to make payments before the statement had arrived. This is just not true. A an attempt to manipulate customers into believing they have no choice but to pay the loan off while the bank makes the maximum amount of interest per month. 
When calculating the fixed interest rate ( 2.16 % ) and balance of the loan, it is inaccurate and excessive. The incident was XX/XX/XXXX, payment of {$810.00}, all of which went to principal. Then a statement was received with a payment of {$810.00} on XXXX XXXX, with an interest of {$55.00}, principal of $ XXXXon the balance of {$28000.00}. 
Using a loan calculator, and a balance of {$28000.00}, the interest is {$51.00} and {$760.00} goes to principal. 
This is just one discrepancy. It is monthly, with interest charges greater then the rate. Over the course of 2 years this has cost hundreds dollars. And over the life of the loan will be in the thousands. 
This discrepancy of interest to balance has been going on for the life of the loan. I have made a payment this month for the monthly installment of {$810.00}, as of XX/XX/2023. This will be the test to see if this bank continues to refuse payments early for the monthly loan installment, not just towards principal. This was acceptable in the contract of the loan.
Consumer complaint received 2023-11-14
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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. (CO)

On XX/XX/2023 I submitted information to XXXX XXXX XXXX  to apply for pre-approval of our mortgage application. They completed a hard pull of mine and my wife 's credit reports. Later that day, my wife and I both started receiving nonstop unsolicited spam phone calls and text messages from people claiming to be affiliated with mortgage lenders, offering us credit, or falsely stating that we had begun the loan application process with them and they wanted us to continue. Over the course of the next 48 hours we have each received at least 100 different phone calls and text messages ( mostly phone calls ), despite blocking each new phone number when they call and don't leave a message. 
When my wife answered the call from one of these people, they actually told her that they obtained her phone number and the fact that she had just applied for a mortgage loan from the credit reporting agencies. I believe this is an egregious breach of our confidentiality on the part of the credit reporting agencies. How can it possibly be lawful for these private entities to share our personal phone numbers and the fact that we applied for a mortgage with random solicitors, with whom we have no contact and have given no permission to access our credit files? I can only assume that the credit agencies are profiting off of this practice, and we want it to stop immediately.
Consumer complaint received 2022-02-16
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 — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (MI)

My account KAY JEWELERSXXXX XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2018-09-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

I applied for a RV loan with my bank ; which is USBANK, in the month of XX/XX/2018. I applied for the loan and was told that my credit score was too low based on an error reported to the credit bureau from my USBANK visa. I have had this card for several years. I disagreed with this and made a formal complaint. The problem with my credit was that my VISA from USBANK sent to the credit bureau, that I had missed several payments and that I has several late payments. This information is incorrect. I located all of the information needed to prove my case. I brought the information to the bank as well as made a formal complaint with the credit bureau. I followed up with the bank and was then sent to the branch manager, with in a few days of the original loan application. Who stated he can clearly see there is some sort of issue. He then told me that he would handle this problem for me by going through the under writers and trying to get the credit card, again this credit card was issued from USBANK. To verify that there was a mistake. That I should get the loan as I am only asking for {$50000.00}. My debt to income ratio is under 40 % and I was asking for a 15 year fixed mortgage. We ( the first banker and I ) calculated the payments which would be less than $ XXXXfornd that my APR was roughly 6.5 % a month. Everything seemed to be working out until they realized that my income comes from my being XXXX XXXX. I was then informed that I could not get a co-signer as my credit was below XXXX and that both customers on the loan would have to have a credit score of XXXX. My credit score is 6?? at this point even with the error on my credit report. I am in limbo still the bank has not formally told me no nor have the said yes.
Consumer complaint received 2018-09-06
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: TD BANK US HOLDING COMPANY (MA)

I submitted a police report with a police report number to XXXX   and Nordstom showing that I am victim of identity theft and XXXX is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 or remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My personal information was breached because of XXXX to obtain several credit accounts and applied for several loans without my permission or authorization. I've sent XXXX, Transunion, XXXX several letters in detail about the situation, and in return within an average of 2 weeks they replied and said information is verified/certified correct. Sent letter on XX/XX/2023 second on XX/XX/2023, and both times nothing was changed. I've contacted the creditors also, and of course was informed that i have to take it up with the credit bureau who is reporting the information to have it removed. How is it the creditor when asked about it can't do anything but i have to contact the for XXXX credit bureau to investigate, and nothing comes out of it.
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

I XXXX XXXX was in the hospital from XX/XX/XXXX to XX/XX/XXXX that what I remerber in beween that time my money was tanken from hy account without my promise which navy federal denial my complain I even sent the dates that I was in the hospital they said it was denail becausr conflick date about lossing a card which I don't remerber do to a XXXX in which I was in on XXXX XXXXt I just remerber waking up in XX/XX/XXXX.and I XXXX XXXX when I can thourgh didn't have my XXXX XXXX XXXX XXXX I went from XXXX to hospital slect to rehab in a matter of 3 mounts was dismiss XX/XX/XXXX