davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (CA)

XXXX  OF WHICH I HAVE NO KNOWLEDGE IS ALLOWED TO REPORT LATE PAYMENTS ON A CHARGED OFF ACCOUNT, HOW CAN YOU REPORT LATE PAYMENTS ON A CHARGED OFF ACCOUNT? EXPERIAN IS ALLOWING THEM TO DAMAGE MY CREDIT MONTH BY MONTH. IT IS ILLEGAL TO REPORT A CLOSED/CHARGED OFF ACCOUNT FOR LATE PAYMENTS WHEN IT HAS ALREADY BEEN REPORTED TO THE IRS AS A CHARGEOFF. REMOVE THIS IMMEDIATELY. 

IT IS NOT REPORTING EVENLY ACROSS THE OTHER BUREAUS. THEY KNOW THAT IT IS ILLEGAL SO WHY IS EXPERIAN ALLOWING IT? PLEASE REMOVE ALL XXXX XXXX ACCOUNTS I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2
Consumer complaint received 2023-05-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. 
But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted
Consumer complaint received 2020-12-19
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: EQUIFAX, INC. (NV)

I submitted a dispute to XXXX, XXXX and Equifax on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a credit report.
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

My XXXXXXXX XXXX had got cancelled and send to a collection agency. When I was able to pay it, I paid it off in full. It is still showing a balance on my credit report. It shows paid in full when I log into their website.
Consumer complaint received 2023-05-30
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. (DC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2022-12-30
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (CA)

There's medical bills on my credit and I never received any bills for any rights about notification or anything about that I had record of medical bills on my credit report until I ran it I was never aware of it I had full coverage insurance I would have took care of it and even when I now send in paperwork proving it and also showing proof that I've never received any letters at all these companies still do not want to assist me by removing them from my credit
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (MA)

I got a lady today stating that my credit card company Aspire wants to Increase my " monthly maintenance fee ''. First of all I never new I had a maintenance fee, how can I get out of debt when I am paying all of these fees. This just started in XXXX so I wasn't aware of it. My account is in good standing and I never missed a payment, always pay more than what is expected etc. So I call there today and directly get someone in Account Services and right away the guy on the phone assumed I had called to discuss the changed in terms on monthly maintenance fee which apparently I was never told about but generically told In my terms that I may be not how much or when. So now I have this letter that is telling me not only do I have a fee that just started in XXXX now I am going to have to pay more as of XXXX. 

I think this is predatory to the borrower and a way to push the borrower to cancelling their account but why bother giving me an account in the first place. I pay my bills on time and more that what is due each month. Also I was told that even if my balance is paid off I still have to pay the month fee. 

Help me XXXX XXXX
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (CT)

Since M & T Bank took over my Peoples Bank Account there is a continuous problem accessing my account through their online banking system. When I login I keep getting locked out of my bank account and when I call their customer service rep ( that is if their customer service center is open ) they have no answer for the lockout. The rep will unlock my account and all seems fine for a few hours and then it goes back to being locked out again and again day after day and its been for 5 days straight now and this has been happening since the change over to M & T Bank. The reps keep stating that it is a sensitive alert system and they start to laugh or chuckle at me!! This also happens every time I try to send money through their XXXX online banking program and I mean every time! I constantly get a fraud alert and get locked out!? I am logged into my own account using XXXX from my own account and I get a fraud lockout!? How is it fraud if I am successfully logged into my own account at the time!? And then locked out of my account again and the kicker is M & T Bank does not have a XXXX hour customer service center to call to unlock my account after XXXX XXXX so I cant access my own money till the next day!? A XXXX hour service needs to be set up to resolve account issues after XXXX XXXX especially for account lockouts!? This is a serious problem that has been going on for far too long!!
Consumer complaint received 2022-12-30
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

I was at the regions Bank on XXXXXXXX XXXX XXXXXXXX XXXX about XXXX in the XXXX I proceeded to put my {>= $1,000,000} check into the deposit smart ATM after the interactions and the going through the prompts the machines spit my card out but it did not give the check back there was no funds loaded to my card there was no check cashed I didn't receive any money and the check did not come back out of the machine and so I am XXXX off it was a check for me to go and pay the down payment on my house today at XXXXXXXX XXXX I was supposed to meet my realtor and I had to call and save that I have no money nothing out of XXXX I'm XXXX off I would like something done about this I need to get my money back my house is on the line it's my first time home buyers and it was going to be a good day today and then this XXXX happens what the XXXX  I want my money back I want it now
Consumer complaint received 2020-12-19
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: EQUIFAX, INC. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-12-19
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. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2022-12-30
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to investigate and updated for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2020-12-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XX/XX/2020 submitted dispute to experian On 9 accounts. Was sent certified and delivered XX/XX/20. No results received. It's been more than 30 days. Emailed CEO and requested removal for failure to respond within 30 days and not adding " consumer disputes '' notice. Both violations. He in turns opens a dispute for each of these accounts after I sent the email disputing and asking for removal of these accounts. Yet they still remain. Legal action will be taken for violations.
Consumer complaint received 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Good evening, My home loan account number is Account XXXX with US Bank XXXX On XX/XX/XXXX, my XX/XX/XXXX payment was returned due to insufficient funds. 

However, I transferred the funds and made a payment of {$1200.00} from my bank account on XX/XX/XXXX to US Bank. To date, after repeated calls and nearly two weeks after sending my Bank Statements to prove the deduction was NOT returned, I have not received an update from US Bank. Their records still state that my payment was not received. I am getting the run-around. 

It is now XXXX and the potential false-negative report of a missed or late payment would negatively impact my credit score.

Calling their customer service line is pointless because the reps refuse to read the notes before giving me " inaccurate '' responses. An investigation was opened and I was told that to call back on XX/XX/XXXX. When I called back, they did not have any updates and I was told to check back again on XX/XX/XXXX. I checked my statement online and the {$1200.00} still has not been applied to the XXXX balance. 

As a US Bank customer of 6 years, this is the worst customer service that I have ever received. 

My phone number is XXXX. I would like an update from US Bank from a supervisor. I would like for the {$1200.00} to be credited to my account, and for any negative reports to be removed from my credit. 

I have been trying to pay the mortgage balance of {$100.00} -- payment increased due to escrow -- since my first call on XX/XX/XXXX -- However, I could not because of the initial {$1200.00} that was not accounted for. Their system will not allow to me make any payment amount other than the full balance due -- which is currently inaccurate. 

Thank you for any assistance that you can provide. I have called multiple times, emailed, sent the bank statements, and never received a response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-06
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: EQUIFAX, INC. (TX)

I have tried to report fraud on several hard inquiries, even inquiries on accounts that were removed and the inquiries still remaining. I did not authorize the hard inquiries and I want them removed. I am only asking for fraudulent and false inquiries to be removed.
Consumer complaint received 2023-05-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I send my dispute letters out on XX/XX/2023. It has been well past 30 days now. I asked all three credit bureaus to show proof that the notification of the dispute letter was received and forwarded to the furnisher within 5 days, I ask for evidence of the reasonable procedures that they used to come to such a conclusion that this information was verified. I ask them to show me proof of who they spoke to, when did you talk to them, and to give me the names of the person, what telephone number did they call, and what addresses did they contact. I asked them to provide me with documentary evidence and any other valid information they received during the dispute process. I haven't been provided with the evidence. And I asked that all accounts that were provided in my dispute letter be deleted. And all three credit bureaus ignored my letter. I told them according to 15 U.S.C 1681 section 602 ( a ) the credit bureaus must complete a reinvestigation within 30 days of receipt of the letter.

15 U.S.C. 1681 states that the banking system is dependent upon fair and accurate credit reporting.

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

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

The company, Midland Credit Management has incorrectly reported the original balance on their tradelines on my credit report to each credit agency, XXXX, XXXX, and XXXX. This has occurred the entire time they've had a tradeline on my credit report. There are two tradelines. I've brought this to their attention and they refuse to help.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Credit Karma (CA)

Credit Karma advertised a promise to pay {$50.00} per card advertised on my credit report account. 3 of the cards with the promise denied me and Karma failed to pay me a total of : {$150.00} dollars. XXXX XXXX XXXXXXXX, and XXXX XXXX  also denied me. All of the merchants compromised my personal information and ads, calls from people trying to sell me houses, etc became continuous and yet no card with the money promised.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (PA)

I requested a thorough investigation on this account. The company sent a generic statement that does not provide any proof that I owe this debt. The statement has an address that is foreign to me and dates back to 2017. I am requesting that this company Consumer adjustment company provide the original contract with my signature for this debt as they have refused to stop reporting the debt that I do not owe.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to address severe discrepancies I discovered during an investigation of my credit report, which has significantly impacted my mental well-being. Upon thorough review, I uncovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. 

As stipulated by the Fair Credit Reporting Act, it is imperative that all information on my credit report be 100 % accurate. However, I have identified several accounts that are in direct violation of this mandate, as outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I have attached copies of all correspondence previously sent to your agency regarding these discrepancies for your reference. 

I expect prompt and thorough investigation and resolution of these issues in compliance with federal law. Failure to address these violations will result in further legal action.
Consumer complaint received 2023-05-31
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (TX)

I received a debt collection notice from Southwest Recovery Services for the amount of {$370.00} in XX/XX/2019. Upon which I sent them a letter formally disputing the debt and requesting that they verify the debt on XX/XX/2019. 

I haven't seen or heard from the collection company since and today, XX/XX/2019, I noticed the collection on my credit report.
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : ( Original Creditor : XXXX IN COM ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX BALANCE {$250.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.