davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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)

Calling the phone number listed on Experian 's site is only for the bot to send one to the website, it is clearly stating NO PERSONNEL is available to speak with. Some of the information on Experian 's site makes no sense. It contains completely false/fake information regarding net worth for instance. Why is it necessary to display a net worth figure when it is so horribly wrong? There is other info that is difficult to make sense of but why is NO ONE available to help? There is also no way to submit a message on the site about what is wrong and should be corrected! 
Greedy CEO, XXXX XXXX, pocketed {$13.00} XXXX in XXXX, but he did not invest in necessary customer support. 
It should be illegal and punishable by law not to be able to speak with someone when it is about someone's credit worthiness. 
The redit reporting agencies are playing with people 's lives.
Consumer complaint received 2017-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Remove all the claims for Bank of American because I worry my life in danger. After filing complaints my headache gets worse and worse, they control all the government law enforcement, I decide to foreclose my   XXXX   houses due to the forbidden me getting into their banking center paying my mortgages and my credit card, I definitely pay my credit card after going to collection company then I can access my account to pay my credit card. All the government police department and cfpb, justice department and insurance support Bank of America forbidding me work for any business and forbidden me access their bank property to pay my mortgages and credit cards. I tried so hard to make it correct the issue, they use two governments torture me worse and worse. I give up complaints of Bank of America I need to survive, please give me a chance to say I am wrong I should not ask justice by regulations. I should quite to be killed by two governments.
  XXXX   XXXX   Sent from my iPhone
Consumer complaint received 2024-03-07
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I had sent letters to Experian for them to accurately verify accounts on file and they have not done so. I sent a letter to them and they sent an email back to me asking me to send my ID and other verification to complete dispute process. I sent the ID, Bank statement, name, social, address for past two years, and date of birth that you said was limited regarding the dispute on XX/XX/2024 and I have proof of that as well, the second written notice on XX/XX/2024, and copy of my social security card. I sent this over on XX/XX/2024 at XXXX XXXX, which I have proof, but never sent the updated information or how, when, who, what confirmed/verified/updated the account. I started getting notifications about my disputes in question and things still being reported through my email that I sent certified mail to them asking them to accurately verify and request. These type of things hurts my credit score and credit report tremendously and lowers my character.
Consumer complaint received 2017-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was made aware of not  XXXX , but  XXXX  (   XXXX     XXXX   and again in early   XXXX   deleted EVERYONE 'S TransUnion Inquiries ) and in  XX/XX/XXXX    XXXX   ) computer glitches that was TransUnion 's and   XXXX   XXXX   problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accur ate    XXXX   XXXX   XXXX    and Score, it said. Because of this, some people may notice some information on their   XXXX   XXXX   XXXX   that they didnt see before..TransUnion and  XXXX  later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by TransUnion and  XXXX . Please, help me to make TransUnion and  XXXX  stop victimizing me. I ask that a resolution of all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I need all Names and addresses deleted from my credit report except the name and address that will be on the drivers license and current bill that I will be attached to this complaint. Everything other than the information provided is incorrect and should not be on my report.
Consumer complaint received 2024-03-06
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

I received a Chime debit card in the mail XX/XX/2022. I did not open this account, I have tried contacting their number and no options to get to a human. I have contacted support through their support email, but nothing.
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

In XXXX XXXX XXXX it was requested that the lease be transferred over to another party. The lease was never transferred and the other party that left the residence left in XXXX XXXX XXXX. At that time the amount owed was left to me for the termination of the lease which amounted to the equivalent of 1 month 's rents, {$1000.00}. 

The Account with National Credit Systems ( the Debt collector in dispute ) was opened in XXXX XXXX XXXX. 

XX/XX/XXXX : I disputed the account for accuracy with XXXX as the amount of {$7400.00} should not be the amount owed. The dispute was closed XXXX does not provide the date in which the initial dispute was closed. 

XX/XX/XXXX : another dispute was entered after learning the management company for the apartment I live had changed. I requested the lease agreement and the official move out date and was not able to obtain that. I then contacted National Credit systems the same day to obtain an Itemized statement of what was showing that is owed since I was unable to get that from the place that I rented, I was told that they do not have the original copy of the lease. 

XX/XX/XXXX : I contacted National credit systems again requesting some sort of explanation of the charges since I am absolutely positive the amount that I have been charged is not accurate. I was given the Itemized amounts owed over the phone and was told that I could log in to view the ITEMIZED amount of what was owed. Once Logged in I was only able to see the total amount owed, I was not able to view Itemized amounts owed Like I was told I would be able to. The explanation I was given over the phone was given in Approximate amounts.

{$2100.00} for back rent {$690.00} for late fees {$4100.00} for termination of lease fees.

{$100.00} Cleaning fee as mentioned earlier. the amount that I was told by the property management company back in XXXX was {$1000.00} for termination of lease. National credit systems was not able to provide explanation or documentation showing the reason for the difference in charges since they never received a copy of the lease in the first place when the account was opened.

I will attach a screencap of what I was able to see on the Debt Collectors website.
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (PA)

I am a bankruptcy attorney who represents a client name XXXX XXXX who is currently in a XXXX  XXXX case in the District of Maryland. She fell behind on her mortgage and sought a loan modification in XX/XX/2023. I sent US Bank authorization in XX/XX/2023 to mail all loan modification paperwork directly to XXXX XXXX through several emails to XXXX and also through correspondence with their XXXX XXXX XXXX who filed a proof of claim on the bankruptcy case. 

I do not represent XXXX XXXX in her Loan Modification efforts. I directed US Bank to mail all documentation, including time sensitive loan modification documents to XXXX XXXX as I was indefinitely away from my office and would not be able to forward hard copy mail. They continued to hard copy mail her documents to my office even though I explained I would not be there to receive it and that all time sensitive ( return within 14 days ) needed to go directly to the home borrower. US Bank refused to send loan paperwork to XXXX XXXX even though they have written authorization from me to send all paperwork directly to XXXX XXXX, especially because I was not in my office due to family issues and wouldn't be able to forward hard copy mail. 

All time sensitive paperwork must go directly to the home borrower. Despite all of my communications and emails they hard copied time sensitive mail to my office in XXXX where I am not at currently and specifically stated they did not care that I wasn't there and could not get her the packet. They still refused to mail her loan documents directly even though I gave written authorization and instruction for them to mail loan modification paperwork directly to the home borrower.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (NC)

I was sold GAP coverage at the time of purchase through XXXX and Bridgecrest ( their lender ). 

During the time I had Bridgecrest my app would not work and my balances would not reflect what was in there internal system. One time it said I had paid everything and then suddenly it pops up as late. I immediately pay the difference when it came through on the app and notified them. They told me " it does that sometimes. '' I expressed concern about my credit as I ALWAYS pay early and the full amount. 

As of XXXX, all my car payments were made and everything was caught up. That day I was in a wreck that totaled the car. Immediately notified the lender and insurance companies ( to include the GAP ). After MONTHS of Bridgecrest not sending information to the insurance company, I have several remarks claiming I had been late. I have NEVER been late. Now my credit is dropped over XXXX points because it reflects that I had late payments. Bridgecrest has been paid in full by my primary insurance and then the GAP coverage that THEY SOLD ME! In addition, there is some magical new balance that did not exist and they are forcing me to pay it. They are completely out of control and need regulated. I have been told this was resolved. I was told it wouldn't hurt my credit. I was told it would be covered. This is unacceptable. I have a XXXX and XXXX XXXX has been paid to call them at least 10 times and they refuse to email confirmations or give us anything we can use for accountability. I request that you pull the recordings and correct this immediately. I am a single mom and XXXX XXXX owner. I need my credit to be accurate and the businesses to be fair and honest.
Consumer complaint received 2024-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (VA)

I was not contacted by this debt collection company Wakefield and Associates. They put a debt on my credit report without a phone call or a letter or any contact of any sort. I do not owe this debt and just saw it pop up on my credit reports!
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are legally required to respond to me within 15 days. Your failure to do so puts you in violation, subject to fines up to {$1000.00}. 
I trust that upon receiving this letter, you will immediately comply with my request. Please provide the investigation procedures for : XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (NY)

Inaccurate and incorrect Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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. (PA)

I am filing this complaint to get clarification on these latest reported derogatory items on my credit report which was furnished by the three major consumer reporting agencies. I firmly believe that accurate and fair credit reporting is critical for the banking system to work well. If credit reports have mistakes, it can make the banking system less efficient. Unfair ways of reporting credit information can also harm public confidence, which is necessary for the banking system to keep functioning properly. 

Thus, Im respectfully asking you to critically check the accuracy of these accounts below and kindly delete the incorrect and erroneously furnished details on my files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-27
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: Santander Consumer USA Holdings Inc. (MO)

This account has been charge off. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, You have claimed a credit insurance over this account, you do not have any loss, clearly this is a violation of the law to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

The following is the only name. address, date of birth, and employer that should be put on my report : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been dealing with issues on my credit reports. i have late payments reporting, that are inaccurate. I have an account reporting on my credit report that should not be reported at all. There's a false name as well. These are all very alarming issues that should be handled quickly. I have notified XXXX, XXXX, and Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a very vague response letter just saying that the accounts were verified. When I asked how they verified the information and with whom, the bureaus haven't provided a response. As a consumer, this is harming my good credit status that I deserve.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America in XXXXXXXX XXXX  is refusing to transfer a XXXX debt to my XXXX  bank account. I have cleared all of the fees. Now they are asking me to pay them {$1200.00} because I had some past overdrafts. Therefore they will not transfer the funds. They had promised me on XXXX occasions the money would be deposited before the weekend. I am still waiting and they keep finding excuses about releasing the honest funds.
Consumer complaint received 2024-03-06
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. (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. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I got a capital one quicksilver card at the beginning of XXXX, as a student. My initial credit limit when getting the card was {$300.00} although I immediately requested a credit line increase. I knew right away that $ XXXXper month would not support my lifestyle. However, as I reached my credit limit I would make payments, often many times within one month/billing cycle. As I made payments consistently, I requested another credit line increase, a couple weeks after getting the card. I was told I would have to wait 4-6 months before receiving a credit increase, although I proved that I could consistently pay my balance and on time. Since getting my card in XXXX, my account has been restricted 3 times, apparently due to the amount of payments Ive been making. The first time it was restricted I got an email. However, the second time it was restricted I made a payment, capital one processed my payment, but never extended me credit. They also did not notify me that my account was restricted, so I was waiting weeks for my credit to be restored. When I called, they informed me that when my account is restricted I would know but I did in fact not know until the representative told me after I called them. The third time, a few days ago, I called to unfreeze my account but they needed to contact my bank, which had already closed. I went 3 days without access to my card because I was never available to call capital one at the same time my bank was open. I was told that my account keeps getting restricted because I make too many payments within one billing cycle, but I need to spend more than {$300.00} in one cycle. I requested a credit increase right away and after some time, but they denied me. 

I was out of the country when my card was restricted 2 out of the 3 times and was unable to make calls from my personal phone. Capital one does not have an email to contact, which made communication about this very difficult and inconvenient.