davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Husband was a victim of identity theft, there were multiple fraudulent checks totaling {$4400.00} written under his name, taken to the bank to be cashed against the account in some transactions the perpetrator deposited money from the check and withdrew from the account. these transactions were made in different bank of America branches none of this transactions were made my my husband or myself. the incidents were reported to bank of america, claims were submitted and I was told that a fraud  specialist  was going to contact me but no one ever did. I was told these claims could take from 30-60 to be solved I waited and gave them enough time to do their investigation. after over 60 days and numerous phone calls I told by one of the representatives on  XXXX   XXXX ,   XXXX   that according to the notes from the fraud annalist the claims had been denied and bank of america is not going to replace the money. as far as know the money in in the bank is insured by the FDIC. none of these transactions were made by us and the money should be replaced. the bank should make an investigation and pull the cameras from the branches where the transactions took place and they will see is not my husband who made the transactions. I filed a police report, and an identity theft report with the federal trade commission.
Consumer complaint received 2022-11-29
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. (NC)

XXXX XXXX XXXX acct # XXXX, ( XX/XX/XXXX ) amount XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXX XXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. also 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name and date of birth is reporting incorrectly on my credit reports XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Multiple addresses that is incorrect is reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following inquiries I have previously disputed with the CRA and they have failed to provide proof of the fraudulent inquiries with my signature XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy These are all being reported without permissible purpose.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON XX/XX/2019 ACCOUNT XXXX FROM XXXX SHOWING CHARGE OFF AMOUNT OF {$1500.00} WAS REMOVED FROM ALL THREE BUREAUS AND NOW AS OF XX/XX/2019 IT HAS REAPPEARED AGAIN ON BOTH XXXX AND TRANS UNION, THESE NEEDS TO BE DELETED SINCE THIS AFFECTING MY CREDIT SCORE!
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I took a trip abroad, I came back home and I was charged with over 100 dollars in fees. I have had Amex for over 10 years and I have never had any issues like this in the past. 

I called customer service, asked to speak with a supervisor. The supervisor was " unavailable '' at the moment to speak with me in regards to these fees.
Consumer complaint received 2021-12-27
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: Independent Dealers' Advantage, LLC (DE)

I recently checked my credit and realize XXXX and XXXX is reporting a missed payment for a account that's not mines and can not be verified. The creditor XXXX XXXX XXXX does not have my correct information on file. The account is closed! 

XXXX is reporting Fraudulent accounts that are not mines such as XXXX XXXX XXXX. XXXX removed all my positive credit info and replace it with fraudulent derogatory information.
Consumer complaint received 2022-11-29
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXXXXXX within the time declared by law, they failed to properly investigate the matter by using a XXXX  party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with XXXXXXXX statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-29
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. (NC)

XXXX XXXX XXXX acct # XXXX, ( XX/XX/XXXX ) amount XXXX XXXXXXXX XXXX  acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXX XXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXXXXXX XXXX  acct # XXXX ( XX/XX/XXXX ) amount XXXX in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. also 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

It was on XX/XX/2022 when paypal limited my account for no apparent reason. Being a XXXX person who constantly works as a XXXX  for a living it's very unfortunate that Even after Sending the documents PayPal requested identity confirmation and could not uplift my Account. Im going through a lot due to lack of funds and being a XXXX person i feel so bad paypal even cant reply to my messages. Please I need the account restored in order for me to relieve my life. This issue is almost dragging me into XXXX. Kindly assist me accordingly
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I began making mortgage payments to Nationstar Mortgage Property Servicer, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, after my loan ( with a modification ) was transferred to them XX/XX/XXXX, from XXXX XXXX  XXXX XXXX. All previous mortgage payments, from the date of purchase of my home in XX/XX/XXXX, were made to XXXX XXXX   XXXX XXXX. My bank records verify payments from XX/XX/XXXX through XX/XX/XXXX, to Nationstar, at which time they transferred my loan modification to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Ut XXXX. Nation star has refused to credit my XXXX mortgage payment as a XX/XX/XXXX payment ; and passed my loan on to XXXX as Missing a payment for XX/XX/XXXX ; in spite of records sent to them verifying my payments from XX/XX/XXXX through XX/XX/XXXX. I see this as a scam by Nationstar to pilfer/steal funds from me, by having me pay a second XX/XX/XXXX mortgage note. This behavior is debt collection fraud ; and I seek redress and resolution to this criminal activity by Nationstar.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MD)

PNC closed my accounts after 10 years and has not offered any reason. They did not notify me. I found out when my card was declined when I was attempting to fill my car with gas on XX/XX/2023. When I called the PNC costumer service line, I was told there was nothing they could do to help me, they could not give any information, and my money was in a check in the mail. They stated PNC can choose who they want to bank with and they " choose not to bank with you ''. When I went to the bank they told me there was nothing they could do to help me, the check was mailed on XX/XX/2023 and they could not tell me why this happened. No information provided. It wasn't until I posted about the experience on social media that anyone reached out to me. At this point, they have told me there is a letter in the mail explaining everything, however, I have not received this letter so I have nothing to upload at this time. They reached out to me on XX/XX/2023 because of my XXXX posts and I requested they overnight the check. They said they would be in contact with me.
Consumer complaint received 2023-02-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX  and had gone out of the country for XXXX XXXX and couldnt come back in time because I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, I missed my credit cards payments with XXXX  XXXX XXXX and Capital One. I also missed a balance assist loan payment with XXXX  XXXX XXXX. I could not contact them because I was out of the country and not feeling well due to Covid. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My credit score has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score.

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had Covid and out of the country.
Consumer complaint received 2021-02-14
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. (OK)

I have never missed a payment with XXXX XXXX XXXX. My account is XXXX and the last payment made was XXXX2021 for the payment amount of XXXX. My payment is not due until the XXXX of each month. XXXX reported on my credit report that my account was 30 days past due. This is incorrect. I want this removed from my credit report immediately. 

My total loan payoff for my car is {$680.00}. I was told by XXXX ( check recordings ) that I could continue to pay this balance as i would normally pay my car payment. Now they are reflecting it as past due. It is not. I have never missed a payment. I pay early.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am filing a new complaint against this company because again they are not reporting accurate information. Total paid : {$410.00} + $ XXXX {$720.00} total remains : {$280.00}. I have proof of these payments. First payment was back in XX/XX/. I have given them substantial time to fix the balance. Class action needs to happen. There are families that they like to see suffer. The people that work for them have no heart. They dont follow standard rules made by the federal government.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Experian, XXXX XXXX and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Consumer complaint received 2017-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My name is XXXX XXXX, owner of the property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XXXX XXXX I got damage of my property by Hail. I claimed my insurance with an agent XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, claim service by XXXX and main insurance company name is XXXX XXXX XXXX. I was paid by my insurance company and I fixed my property accordingly. After completion of the repairing job, my mortgage service company name Shellpoint Mortgage Services called me to send their inspector to inspect the property and they sent, inspector saw the property and left with full satisfaction. After a month about Shellpoint added an amount of {$48.00} with my monthly mortgage payment as an inspection fee and I was told to pay this amount every month over my loan period of rest 29 years. 
My loan is under FHA. 
I asked Shellpoint, what is the total amount of inspection fee to be paid. They said, they do n't know and despite my repeated correspondence Shellpoint could not make clear about total inspection fee. 
Then I said, unless legal solution I will not pay this inspection fee with uncertainty. On the other side my insurance company did n't tell me anything about and I have not been asked anything by my insurance company. 
I eagerly request to have a right answer about this inspection fee, because they have kept me in complete dark. Thanks
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-01-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc. (DC)

This company is reporting inaccurate information on my consumer report.Also this company has been causing me financial and emotional damage. This company is defaming my Character. The account numbers are wrong, opening date wrong. I will attach copies of this alleged debt.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28
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. (MI)

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 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/consent 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
Consumer complaint received 2023-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Express, LLC (KY)

cash express is threatening legl action on a loan from XX/XX/2014. they already been fined from bureau of consumer compaints about this business practice. itis also my belief that loan has already been paid. They are violating their settlement agreement. Cash Express XXXX XXXX XXXX XXXX XXXX, Ky XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

The XXXX credit card XXXX is being reported for {$140.00} this debt is not valid. I do not owe the company this money. This account is outdated and shouldn't be reported.