davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2023-07-25
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. (TX)

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. 

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 2022-11-15
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
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 Balance Owed : {$13000.00} ; XXXX XX/XX/2021.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (FL)

Hey hope all is well I ask the Credit Bureaus XXXX, XXXX and Equifax to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had Three accounts on my credit report being reported inaccurately I never ever opened an account with these XXXX Accounts : XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX The three accounts are being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed these accounts please and thanks. 


In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
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
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AZ)

I was notified by XXXX XXXX XXXX that I had an outstanding debt with XXXX XXXX in the amount of {$940.00}. I filed a complaint the the FTC and also notified XXXX on XX/XX/XXXX. The report # with experian XXXX. I am going to file another report today with the FTC. I have been informed that another collection agency is not after me again with the same dept. This agency is I.C. System, Inc. XXXX. I am in the process of sending a copy of my completed report with the FTC to all the credit bureaus. 

The XXXXXXXX XXXX account # XXXX and the service address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at this address and have been residing at the same address for the last 19 years. I was told the account was opened on XX/XX/XXXX and closed XXXX XXXX.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (NC)

This is a XXXX XXXX card with Comenity Capital Bank. I paid this card off in full on XXXX. And I was planning to shut this card down and discontinued using it for the remainder of the year. On XXXX a fee of {$2.00} was charged. Then again on XXXX ( {$2.00} ), the again on XXXX ( {$2.00} ), then again on XXXX ( {$6.00} ), then again on XXXX ( {$2.00} ), then again on XXXX ( {$14.00} ), then again on XXXX ( {$2.00} ). On XXXX I received notification of my credit score declining and saw that this card was marked delinquent. I immediately paid {$30.00}. To cover the fees. No one can answer me what the fees are for and they weren't posted until nearly a month after the balance was paid in full. This is immoral and wrong. I'm not as upset about the money as I am the decline in my credit score.
Consumer complaint received 2022-10-18
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 closed my account without prior notice or explanation of reasons. I tried to get them to transfer the money in my account to my other bank account without any help. I can not access the account or the funds in the account. It's been almost a month now.
Consumer complaint received 2023-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: ALTERRA GROUP, LLC (NC)

My mortgage was transferred to Panorama Mortgage Group, which is the most unprofessional, amateurish company Ive ever had to work with. They dont allow you to create an online account to make payments and track progress and confirmation. Im not even sure that my payments are being applied as they do not send statements. They arent reporting my mortgage to the credit bureaus. Ive had problems with them paying the premium for my homeowners insurance, which nearly got cancelled. Im now getting notifications from the county that my property taxes are outstanding. Ive tried calling Panorama and the phones go to a voicemail which doesnt even say the company name. When you can get someone to answer, theyre extremely unprofessional and rude. I dont trust this company and dont want them to have anything to do with my mortgage.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

After opening this free checking account for XXXX XXXX, I was not able to perform online transaction without a PIN number. Customer Service stated that they would mail me the no. I never received it. I had to call several more times but in the meantime I got a dormant account penalty of {$5.00}. On XXXX. I called local XXXX, Mo. branch and talked to XXXX XXXX and he told me that he would have the bank manager reimburse me the {$5.00}. Then on XXXX I checked for the reimbursement and found out not only was it not taken off but an additional {$5.00}. Was placed onto my account which made {$10.00}. Dormant fees for an account that I couldnt use because they never would send me the PIN number. I talked to XXXX at XXXX branch and he promised me that the XXXX. Would be reimbursed but it never was. 
I went to the bank branch on XXXX and asked XXXX again to refund me and he said that he could not. I had to close the account to keep from taking more of my money. 
I feel like it was not dormant but I was not able to transfer funds into it without the PIN That they would not help me get.- it was their fault and they stole my {$10.00} from me.
Consumer complaint received 2023-05-02
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 on XX/XX/XXXX 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (LA)

I entered into a contract to purchase hearing aides from XXXX XXXX  on XXXX XXXX. {$4000.00} of the purchase amount was to be financed through XXXX which is a product of Commenity Capital Bank ( XXXX XXXX XXXX XXXX, Ohio XXXX ). My purchase agreement and sales receipt specify the contract is for 60 months at a rate of 9.99 %. Additionally these document specify this will be a monthly Equal Payment Plan. The first months statement was issued by Commentiy on XX/XX/2022 with a payment due on XX/XX/2022 in the amount of {$87.00}. That payment was paid in the amount of {$87.00} on XX/XX/2022. The XX/XX/XXXX, statement was then issued with the monthly payment due amount of {$150.00}. I XXXX mailed a letter to Commenity disputing the monthly payment amount. I furnished a copy of the purchase agreement, and receipt. On XXXX XXXX Commenity Customer Care Team sent me a letter stating they had received my letter and would be working on resolving the issue. XXXX, XXXX and XXXX statements dated on the XXXX of each month have continued to show an amount of {$150.00} due. As of today ( XX/XX/2022 ) my dispute has not been resolved. Commenity 's collection department continues to call wanting me to pay the full {$150.00}. I have continued to pay {$87.00} per month. for the months of XXXX, XXXX and XXXX. I have not been able to get them to resolve the dispute.
Consumer complaint received 2023-05-02
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America, took {$2000.00} from my checking account on XX/XX/2022, to cover an overdraft in another Bank of America XXXX account that was caused by denied disputes. 

This money was taken with no warning or communication from Bank of America. I did not even know a payment plan was a possibility until I called Bank of America today and asked if I could pay the overdraft down over time and have the {$2000.00} returned to the proper account. 

Bank of America refused to return the funds and did not allow me to set up a payment plan, stating that it had been 30 days so they took the funds from my other account. Again, this 30 day timeline was never stated before. 

The money they took was for a large life expense that needed to be paid on XX/XX/2022. Their lack of flexibility, and communication is absolutely disgusting.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I paid my monthly due throughout the Pandemic pause even after the following timeline began... 
XX/XX/XXXX I was notified that my servicer Mohela would process my loan forgiveness XX/XX/XXXX Received an email from Mohela that my student loans were forgiven XX/XX/XXXX US Dep of Education emailed notification that the payment pause was ending and that I should check with Mohela because my account was awaiting discharge On or about XX/XX/XXXX I called Mohela customer service and was told that my file was processed on XX/XX/XXXX and the refund would be redeposited in the manner paid within 60 days after the call, I checked the app, the app showed a {$0.00} loan balance but a credit balance of {$15000.00} ( I took a screenshot ). 
XX/XX/XXXX I called 3 times, the first time the wait was XXXX minutes but the call was answered at XXXX minutes. When I finally spoke to a rep she said there was no file -- I explained that it had been forgiven and gave the old account number. I was on hold for XXXX minutes so she could talk to her supervisor, and she came back again and said she would transfer me to her supervisor, I held for XXXX minutes and the call disconnected. I called back but the call center message said I needed to call during hours of operation. 
XX/XX/XXXX I called again and waited for XXXX mins. This representative saw that there was previously a credit but indicated refunds would take 90 days. 

I just want a solid answer on when I should see this refund.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX  acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX acct # XXXX Has violated my rights. 
15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Consumer complaint received 2023-07-25
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. (NV)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified, and compliant data documented in it! 

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Consumer complaint received 2022-10-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting an inaccurate credit limit for my Premium XXXX XXXX XXXXccount. My credit limit was increased on XXXX 2023.They are also showing the wrong monthly payment. I will submit proof of the account ' correct credit limit, history of payments, etc. I submitted this same information to CFPB in regards to XXXX also reporting inaccurate credit report information concerning this account. I have emailed XXXX XXXX showing them copies of their own information. I tried to upload to Experian the same documents, but the website keeps saying that they can not upload the documents. I also called Experian, but they were of no help. XXXX XXXX  or Experian, or both are reporting on my credit report inaccurate information. I have already disputed this credit limit increase not being reported correctly, and their response to the dispute is that the lender, " XXXX XXXX XXXX '' is replying to the dispute that the incorrect credit limit and monthly payment is accurate. This is false.
Consumer complaint received 2022-09-23
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. (SC)

According to 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. 

SXXXX 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 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 Has violated my rights. 

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 : 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 with 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.