davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted disputes with all three credit reporting agency in XX/XX/2023 and XX/XX/2023, I never received a response regarding the investigation of the inaccurate information reporting on my credit file.
Consumer complaint received 2017-11-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My husband added me as an authorized user to his bank of america credit card account back in XXXX of XXXX. They asked for my personal information including my social security # to issue me the credit card. The whole idea behind adding me as an authorized user is to help build my credit. It is now XXXX and it still is n't being reported to my credit report. This is hurting my credit score because I am missing revolving credit history when in fact I should have history from XXXX XXXX and up showing I pay this credit card on time every month. I have repeatedly called them and submitted a complaint internally to bank of america and they sent back a form letter stating it is being reported which is clearly untrue. No one seems willing to help me there and I feel powerless. I am trying to buy a new car next year and this is really going to hinder me from doing so. I have included the letter they sent me which has the account information on it. Thank you.
Consumer complaint received 2023-10-08
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-08-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent Transunion data breach and may have gotten compromised by the breach.
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I called to simply INQUIRE about escrowing my taxes & insurance. I specifically told the agent this was an INQUIRY only. She said they would send information and I could decide then. They sent the information, I decided NOT to move forward. I called back and told them I would NOT be escrowing my taxes & insurance and I wanted to BE SURE NO CHANGES WERE GOING TO BE MADE TO MY ACCOUNT. The agent assured me there would be NO changes. She said they would have to receive signed documentation before they could make a change. 

On XX/XX/2020, they drafted {$740.00} plus a {$4.00} service fee out of my checking account WITHOUT MY AUTHORIZATION. I have called repeatedly and finally spoke to " XXXX in XXXX ''. She saw the phone calls and notes I sent and agreed with me, IT IS A BOA ERROR. I have since called back and sent an email but no one will call me back. It's still not resolved. 

THIS IS OBVIOUSLY ILLEGAL AND IMMORAL. HOW DO YOU NOT HAVE ANY CHECKS AND BALANCES TO ENSURE THE PROPER PAPERWORK HAS BEEN RECEIVED? FURTHERMORE, THEY NEED TO ALERT A CUSTOMER SOMETHING IS ABOUT TO CHANGE ON THEIR ACCOUNT SO THERE'S TIME TO CORRECT ANY POTENTIAL ERRORS. BOA DID NONE OF THIS. THIS IS A CHECKING ACCOUNT BEING DRAFTED. THAT'S A BIG DEAL.
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (CT)

At XXXX, I was contacted by KLS Financial Services at XXXX ( XXXX ) XXXX from XXXX XXXX NC about my debt for backrent with XXXX XXXX. I was at work and ran outside to try and speak with them. I explained to the lady on the phone, an agreement I made with Landlords that we would settle upon them withdrawing my eviction case and we would come to an agreement to repay back rent. We came to a stipulated agreement that I would not be evicted but would leave by a specific date, and they would in turn withdraw the case and I would come to an agreement outside of debt collection with them to payback rent. 

They never withdrew and I was contacted by this debt collector. The collector said I had to make an agreement with them, for $ XXXX for 12 months. I am still in a bind living back home paying rent, a car rental, etc, and I asked for time to figure this out as I am at work- they said they need to set something up now and that i can ask a family member to help to put it on a credit card? I asked for them to email me this information several times so I can have it on file/my records as I figured out a plan. She was adamant about not emailing me anything because there was no point, and that I must create a payment plan with them today else they will have to report it, severely damaging my credit. I wasnt told about means of mitigating this situation nor why it went to this point. I am at work and they have given me basically an ultimatum that is more stressful than they realize. 

I want the information of debt, and an itemized list of the debt and breakdown. I would like them to provide this information to me without the need of a sudden fear tactic. They said they would not email me, Despite asking multiple times and instead would opt me into texting to receive a text message of the amount owed and a means to pay. I need this all confirmed first before figuring it out.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have 90 charges on my credit card and I have not received any statement for 3 months. I have not received any information about the changes. I NEVER received documents to dispute charges that were not authorized
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I applied for a equity loan with my mortgage company and was turned down. I was told by a representative with the mortgage company I was eligible for the loan, I only needed a credit score of XXXX to obtain the equity loan however I did not here back from them.
Consumer complaint received 2022-12-07
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

I made a {$3000.00} cash deposit at one of my local Wells Fargo branches and the deposit does not show in my account. I called Wells Fargo 's customer service number and was told " It is not showing a deposit on our end, we will look into this. '' I was not convinced that it is actually going to be looked into, especially given all the issues with Wells Fargo in the last few months.
Consumer complaint received 2023-07-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have written Experian and XXXX XXXX XXXX several times disputing the inconsistencies in my credit report. They continue to update false information. In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested Experian, XXXX, and XXXX to reinvestigate this account. To date XXXX has been the only company to properly investigate this account and delete it : However, Experian and XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, closed date more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 an 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. Also, the credit agencies are not in compliance with metro 2 credit reporting. I have attached evidence for my case.
Consumer complaint received 2023-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sulphur Bank Rancheria Enterprises (KY)

around XXXX or XXXX of last year i got a loan for XXXX it was supposed to be pretty easy to pay back and after I signed the paperwork I dint receive no type of contact or anything I had to ask for it not to long ago to view my interest which turns out to be about 800 % which is unreasonable they now want me to pay almost XXXX on a XXXX dollar loan, they have also been mentioned in a lawsuit for conducting predetory loans the company being sued is another company but the owner is the same so I really don't think I should pay this loan as they are also not licensed in my state.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (LA)

I am asking for a full investigation Concerning all these late charges on my Experian Report XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Department of Education XXXX XXXX  days late. XXXX. XXXX XXXX XXXX  days late. XXXX XXXX XXXX XXXX days late.
Consumer complaint received 2023-08-22
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. (MS)

The company transunion requested need they proof of identity and other information that they needed to process my request for identity theft. I have a supplied my police report, affidavit, and my rental lease agreement. Im still having issues with the same accounts are getting reported on my credit report. I am victim of Identity Theft and I take this serious. My personal information was stolen from a data-breach. As a consumer, I will like them to take action on those accounts. I have sent another request they should have received by XX/XX/22 certified mail. I have reached out to XXXX, XXXX XXXX and XXXX XXXX etc etc. they all agreed to stop reporting the accounts. Its been XXXX weeks and I still havent seen any updates.
Consumer complaint received 2017-11-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Education Servicing, LLC (CA)

Greetings : Graduated for my XXXX XXXX in XXXX from XXXX XXXX XXXX University XXXX XXXX and XXXX. I requested private student loan from " National Education Servicing '' ( NES XXXX based in XXXX IL. for the amount of {$14000.00} Private, disbursement date XXXX/XXXX/XXXX. Monthly payment of {$140.00}. Federal student subsidize and subsidized XXXX {$4900.00} XXXX only used portion of it not all amount. 

In early XXXX XXXX, I received a call from XXXX customer service informing me they work with national education servicing and the federal potion of my loan is currently managing by them. I call my loan servicing company, National Education Servicing ( NES XXXX and they informed me yes ONLY federal student loans is managed by XXXX but the private loan will still service by my current compnat, National Education Servicing ( NES XXXX. 

In the month of XXXX XXXX, I received another call from XXXX customer service telling me that my private loan is managed by XXXX as well. I had a heated conversation with the an overseas employee and I was told that we have your personal and credit information and if you do n't pay {$50.00} forbearance ASAP, my personal credit will be ruin. 

I tried to reach out to National Education Servicing ( NES ) but realized they were out of business as of XXXX. Naivent customer service refused to provide me any documentation on how they got my loan portfolio/information. 

I was not even given any prior notice from National Education Serving, XXXX that my loan will be transferred to XXXX. Also, what i noticed is my principle for private loan with XXXX went up as well the total amount of my federal loan. I have been paying {$220.00} a month since XXXX/XXXX/XXXX and now It seems I just started borrowing the same loan. 

Here are the XXXX information : The toll free number is still working but when i tried to log into my account the site is not active. 

You can listen to the recording message. 

https : //nationaled.net/login/help XXXX https : XXXX I really appreciate any feedback and thank you all for being a consumer advocate.