davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (FL)

XXXX refuses to remove negative information from my Credit. XXXX has been asked continuously in writing as well as verbally to verify the debt. XXXX can not provide me with the validation of the debt he is trying to collect. I have told XXXX repeatedly that I DO NOT want any business with his company nor have done any business with his company. I have asked for a wet signature contract with his company and he has not been able to provide one.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MI)

Last contact made with Barclays Bank about them closing my Credit Card without my knowledge that had been open since XXXX was XXXX. They said I would be contacted within 24-48 hours. I cant even begin to explain how frustrating it is to see your Credit be destroyed all because the right hand doesnt know what the left hand is doing. On XX/XX/XXXX a letter was sent stating that my account in question was being closed due to fraud ( this was the second/third ) time a new card was issued for the Same fraud claim. On XX/XX/XXXX a letter was sent stating that my account was closed due to non-payment. 2 days later Really!!! I hadnt even gotten the New replacement card. Completely unacceptable. They stated that the card was closed due to non-payment but the card was in Fraud investigation since XX/XX/XXXX.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant XXXX % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MN)

The following information and credit card accounts currently listed on my Innovis Consumer Report Case ID : XXXX is fraudulent and inaccurate accounts and information : XXXX XXXX XXXX Account : XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, Account : XXXX, XXXX XXXX , Account : XXXX, XXXX XXXX XXXX, Account : XXXX, XXXX XXXX XXXX, Account : XXXX, XXXX XXXX, Account : XXXX,
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX, XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 


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
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Absolute Mortgage Company, Inc. (WA)

I was referred to this broker, XXXX XXXX at Absolute Mortgage at XXXX XXXX, WA, by my realtor when buying a new constructed home. The lender was out of loop at the beginning, but I did n't mind much, as I 'm buying a pre-sale and I had plenty of time. The closing was supposed to be XX/XX/XXXX, and I signed the sale contract at XX/XX/XXXX. 

Fast-forward to XX/XX/XXXX, notice from the lender that the appraisal gon na be late as he did n't submit the rush request. Late appraisal means late closing, so I bite the bullet and extend my lease to XXXX XXXX, as the lender gave his word. 

Fast forward to XXXX XXXX, notice from the lender that the loan amount is different from the number sent over by the seller. Asking around, the lender forgot a notice from the seller back in XXXX, when an adjustment was made between me and the seller about the price. As a result, I have to pull together ~ $ XXXX at the last minute for fill the gap. The lender promise to close on XXXX XXXX. 

Fast-forward XXXX XXXX, notice from the lender the loan documents gon na be late. 

Fast-forward XXXX XXXX, notice comes saying the lender had made a mistake on my documents : my wife 's name is missing. 

Enough is enough. 

So now me, my wife and a XXXX have to move out the apartment as we can not extend our stay again and again. We 're practically going homeless. I 'm also seeking legal advice.
Consumer complaint received 2022-12-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts 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 Balance : {$13000.00} XXXX  XXXX Balance : {$15000.00}
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I just reviewed my credit report again and found a number of accounts that do not belong to me. Besides the accounts I previously complained about, there are new accounts as well. I am being harassed daily and inaccurate personal information continues to be reported. My complaints have not been adequately addressed, and I urge you to correct this immediately, otherwise I will engage a lawyer since I am continuously denied housing as my credit score drops.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX ; XXXX XXXX GA XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that I didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2015-05-05
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Morgan & Pottinger, PSC (TN)

XXXX filed a lawsuit which I did not contest and call and set up payments with their attorney. I called and satisfied the debt and received a paid in full letter in XX/XX/XXXX. I am attempting to refinance my home and discovered that while my consumer report shows the balance as XXXX, the attorneys office never filed the proper papers with the court to show the judgement as satisfied. I have called the attorney misled me into thinking that they had sent the letter to my local court clerks office to show the judgement was satisfied. After waiting 7 days for the letter to arrive, the attorney for the mortgage broker I am working with called and finally got the truth from XXXX the rep we had been speaking with. The truth is that the letter was sent to their local attorney in Tennessee, and he will into sign and send the letter to the court in XXXX, Tn. According to XXXX this process could take 30 to 60 days. I lived up to my part and paid the judgement in full. It has been 14 months and the attorneys office has not sent the letter to the court saying that the judgement has been satisfied and now they want me to wait 30 to 60 days longer. By the time this is done if it is done as they say, my refinance will be denied.
Consumer complaint received 2024-03-29
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. (TX)

I urgently request the removal of a hard inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. I want to emphasize that I did not apply for credit or authorize any entity to make an inquiry into my credit history on the aforementioned date. This unauthorized inquiry is inaccurate and is negatively impacting my credit score.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an auto pay issue with BoA so the next month my account was locked because they said I have been bankrupt before but I haven't. I could not use web pay and operators couldn't take payment on the phone. They said they would fix it but haven't. I have begged them to take my money to unlock my account as it was locked wrongly. As a result I physically have not had any means to pay them, even after I have called and tried to make payments. Their system won't let any person take my payment because of my account status. Now I have a late payment on my credit report when I have tried to pay them and they have not acted to rectify my account.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

My name is XXXX ( formerly XXXX ). I was just made aware of the class action suit against Navient and realized that the 3 times my husband lost his job, I asked if I could make lower payments based on my income and was told absolutely not. I was informed that my one and ONLY option was to forbear these loans while gaining lots of interest. I had no choice but to forbear my loans because we needed to keep our heads above the water. I TRUSTED THAT NAVIENT WAS GIVING ME HONEST INFORMATION!!!! But now I found out that Navient has systematically and illegally failed me at every stage of repayment, and I believe a lot of my interest was unfairly gained due to the FALSE and UNSCRUPULOUS communication that was given to me.
Consumer complaint received 2016-05-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Arbitration Forum (MN)

My name is XXXX XXXX. I have a distant Aunt that I have n't talked to in about a decade named XXXX XXXX XXXX XXXX XXXX. Out of the blue, this debt collector starts calling me threatening legal action ( And claiming to need an " attorney statement '' under the guise of being a local PD/investigator ) with messages for XXXX XXXX. He called multiple times looking for this relative and leaving messages with details about her debt and personal life. I do n't want to hear about this distant relative or her legal troubles. I have no association with this relative, and I am sure it is illegal to contact completely unrelated third party relatives looking to collect under very shady methods. I have no idea how they got my number or believe that it is acceptable. They now call several times a day.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

When I opened the account in XX/XX/2023 I was promised two different cash bonuses of {$300.00} each after three months. One was for having a direct deposit to the checking account and one was for keeping a certain amount in the associated savings account. Not it's XXXX and neither bonus has been applied to my accounts. I have made several attempts to contact Citizens Bank by phone to inquire about the status of the promised bonuses but each attempt has been unsuccessful. They often have ended my call abruptly. I have nowhere else to turn. Please help. Thank you.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (SC)

Due to the fair credit reporting act my information should have never been shared with any agencys to collect a debt this is illegal based under the fair credit reporting act and has caused a severe drop in my credit score which has hurt me in the process of refinancing my home please remove all collections accounts And all unauthorized inquiries as I didnt request for my information to be sent around to any of these companies
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

I have written several letters via certified mail to TD Bank XXXX XXXX XXXX to the late payments on my credit reports. I have also contacted the credit bureaus and spoke to several customer service representatives in order to resolve the issue but they refused to help me in this matter and take further steps into my claim. I have several late payments being reported on my credit reports from the year XXXX when I fell ill and was unable to make timely payments due to hospitalizations. However, when I was able enough I continued to make on time payments and while I never requested it, the company increased my credit limit and never once thought of closing my account but they refused to reverse the late payments. I would like an investigation conducted on this matter and appreciate a resolution and look forward to the positive outcome.
Consumer complaint received 2023-04-10
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: TRUIST FINANCIAL CORPORATION (MD)

I noticed unauthorized hard inquiries on my credit report. Listed below are the companies and dates : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRUIST Bank XX/XX/XXXX XXXX
Consumer complaint received 2022-11-29
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. (PA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 2023-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

An unauthorized checking account was opened in my name with Bank of America without my permission or consent. I called the bank fraud department and even spoke with a fraud supervisor theyre unable to solve the issue. Im still receiving email regarding that and now received a bank statement in the mail. This is really frustrating and scary and shameful and fishy that Bank of America is unable to resolve this issue.
Consumer complaint received 2022-12-21
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: Consumer Portfolio Services, Inc. (PA)

XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX