davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I was on furlough from work XXXX XXXX XX/XX/XXXX, I was told to file unemployment, I did and requested my weekly pay I shouldve even qualified for XXXX $ extra, but it says Ive gotten two payments of XXXX $ that Ive never seen in my account I was also sent a card that is at 0.00. So i dont know what to do I only have XXXX and my family could really use the money. Can someone please help me. 
Thank you, XXXX XXXX
Consumer complaint received 2021-01-07
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. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On or about XX/XX/XXXX - XXXX I attempted to purchase a car. The salesman showed me a copy of my credit repot that displayed derogatory credit reporting as far back as XXXX  including : multiple credit cards in dispute, and XXXX XXXX dollars in student loan debt. 
It also showed every dispute that I have ever made throughout my lifetime, and I am XXXX XXXX of age. 
This is a gross XXXX of justice and i am requesting an immediate investigation into false credit reporting. 
I do not owe over XXXX in student loans, and I do not have ANY credit cards in dispute. The last credit card I disputed was XXXX when during the Pandemic and mail was slow they reported me 30-days late with my payment, and that has since been corrected over one year ago. Why would XXXX XXXX been showing, " In dispute ''? I am asking the credit reporting agencies to correct this false reporting. I am beginning to question if my credit report is entangled with someone else? I am a XXXX  citizen, XXXX of age and I find this error debilitating and stressful. I am asking for an investigation and correction of all three bureaus.
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC (CA)

Follow up on numerous occasions over the last 6 weeks. Every call resulted in representatives indicating they were trying to reach supervisors XXXX and/or XXXX ( or an Escalation Dept. representative ) who we initially spoke to in early XX/XX/XXXX regarding the approval and of late charge reversal and reimbursement. Every call initiated to Selene resulted in us being put on hold multiple times and up to 10 minutes each time. Representatives, who we have spoken to over the last several weeks include XXXX, XXXX, and XXXX as well as many others. Each representative indicated that all of our present and past telephone calls have been documented and recorded. 

On one call in early XX/XX/XXXX, Supervisor XXXX asked for our correct checking account number and routing number and gave her word that she would contact us back once approved XXXX indicated that given the circumstances leading up to our dialogue with her, this approval this should not be an issue. She empathized and apologized for the IVR payment process and not hearing the correct information to process our mortgage payment made on XX/XX/XXXX. We felt confident that XXXX would follow up with us directly to resolve this escalated matter. To date, there has been no management follow up whatsoever nor have we received late charge reimbursement or even proof of approval of late charge reversal along with documentation of no adverse credit impact. Given the extreme amount of calls we have initiated to Selene Finance regarding this matter, we are now hereby requesting written documentation of the late charge reversal and no adverse credit reporting. Likewise, we would like to know specifically when the reimbursement of the {$200.00} ( late fee ) will be reflected in our checking account. 

Thank you.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I got a loan through XXXX XXXX XXXX back in XXXX i fell into a hard ship then co vid 19 came i was totally out of work the company said i was eligible for covid relief i didnt have to pay instead they charged me anyway i spent several months give the car back because it was not a good car i was way over charged in XX/XX/XXXX the company came got the car back in their possession then the rates went threw the roof like XXXX dollars i cant afford that this has destroy my credit i cant get nothing approved im living in motels and renting rooms from friends i want this off my credit
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (FL)

I've bee always on time with my mortgage payments. My provider New Rez, sent a late payment report to the credit bureau. And they haven't fix it. This is affecting me and they don't do anything about it.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Ihave sponken to the company and they said they would take it off but have not done so ... .i would like to please remove this from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION
Consumer complaint received 2022-12-11
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. (IL)

I requested that Experian forward to me any records from their investigative reports of the personal interviews mandated by FCRA that your company was supposed to have conducted with my with neighbors, friends, or associates of mine or with others with whom Im acquainted or who may have knowledge concerning any such items of information. The company didnt forward to me any of the requested information and have exceeded the time allotted by the FCRA which is 30 days! 
# Tracking XXXXXXXX XXXX XXXX Account # / XXXX Balance / XXXX Date opened/ XX/XX/XXXX I also forwarded the exact same information and request for an investigative report to the above company whereas the requested information per the FCRA was not supplied! 

Tracking # XXXX XXXX XXXX XXXX Account # XXXX Balance/ {$260.00} Date Opened/ XX/XX/XXXX The above item is unfamiliar to me an recently appeared out of no where. No permissible purpose I believe that this item, was disputed once before and Experian deleted this item, the original creditor is XXXX XXXX XXXX XXXX who appears to have sold the account to XXXX XXXX XXXX XXXX 

Copies of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report I filed Copies of an official notice from the College I attended regarding a Personal Information Data Breach at our school
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-11-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (TN)

Over the last several years, I have been getting repeated phone calls from Ally Financial regarding debt owed by a person with the same last name as me, and whose wife has the same first name as mine. On each call, I have explained that I am not the debt holder and asked Ally Financial to stop calling me. I have been unsuccessful in getting them to stop. The most recent occurance took place XX/XX/XXXX 2015, when they called and hung up. I called them back to learn it was the collection service. I asked to speak to a manager at that time and explained the situation. She assured me it would stop. I recieved another call less then 24 hours later on XXXX XXXX, 2015. Again, the caller hung up when I answered. I called back and spoke to the same manager again, who again assured me it would not happen again. When I inquired as to how they even got my number, she explained that they have a " tool '' that they use to find possible relatives to debt holders. I explained to her that I have repeatedly told them that I do not know the debt holder in any way and should not be linked to them. As I result of their actions, we have had to take out identity theft insurance for the last several years, and have had some complications with my wife 's credit report.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

We mailed a check to a vendor. The check was stolen in route. The check was then illegally changed to a new vendor and cashed at another bank. Our bank, Key Bank determined that XXXX XXXX  was mostly likely negligent in their procedures in allowing this to occur. Key Bank has been very inactive in getting the proper response and documentation from XXXX XXXX. I have asked numerous time for this correspondence and the need for the contact individuals at XXXX XXXX. Key Bank has refused to supply this information. I want this information so I can have my attorney deal with XXXX XXXX  since Key Bank has shown very little interest in handling this matter. A crime has been committed here with stolen funds and we would like to get it resolved. It appears the XXXX XXXX  did not do proper due diligence in reviewing the customer that stole this check.
Consumer complaint received 2022-12-11
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. (CA)

I have like 50 inquires from XXXX experian XXXX XXXXXXXX XXXX like XXXX i didnt do that i told them my information is fraudelent i was a victim of idenity theft while i was paying for there idenity theft protection XXXX XXXX dollars they claim i aint heard a pip from them when i told them they need to reimburse me my idenity got stolen while i was using yhere XXXX XXXX i have a debt with XXXX  XXXX it was a secured credit card so how do i have a debt??? This a scam they scaming me. How can i be in debt on a secured credit card??? Makes no sense they legally robbing me
Consumer complaint received 2022-11-24
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 an account without my written instructions.
Consumer complaint received 2021-01-07
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. (MI)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the collection accounts, it is not mine.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2023 I sent you a letter regarding inaccurate things on my credit report on but to this day, more than XXXXdays have passed but I still got no response. I was told that FCRA obligates you to investigate these negative items within XXXX days and remove them if nothing is found. Bit it has been more than a month now, and your inaccurate reporting still affects my credit nor I get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX Date breach and my got into hands of the wrong person and it is your obligation to fix these errors.
Consumer complaint received 2022-12-11
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. (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 15 USC 1681. 



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 2022-12-11
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. (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 15 USC 1681. 



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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Disputed 2 falsely reporting Tradelines and fraudulent inquiries on my Experian Credit Report XXXX - Account showing {$1800.00} Balance - supplied bureau with proof that this account was paid in full and closed before record added to credit report. They did not perform an investigation nor did they delete this false record which is affecting my credit score negatively and they are aware of the XXXX point deduction this false record has caused. This account was opened in XXXX and closed XX/XX/XXXX with a {$0.00} balance... had they performed an investigation or reviewed the documentation I submitted they would have deleted accordingly as the dates/balance and historical payment information is incorrect or missing. 

XXXX XXXX XXXX - I have no business with this company. I had an account opened without my knowledge with their customer XXXX  by store after providing them with my personal details to open a XXXX XXXX Account. I requested removal of this fraudulent record. No investigation performed, no supporting documentation forwarded supporting their position to continue to report this false account. 

2 Fraudulent Inquiries ( FTC REPORT ATTACHED ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX attaching proof of my position : {$0.00} balance letter from XXXX dated XX/XX/XXXX ( fraud account opened in XXXX ) XXXX XXXX - attaching identity theft documentation
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My husband and I were applying for a home mortgage through our bank. When the bank tried to pull my credit report from Equifax, they got notice that my account was frozen or blocked. I have never done anything at all with Equifax and am frustrated with how my account was frozen in the first place. 
I contacted Equifax the week of XX/XX/XXXX to discuss this issue with them. They were unable to tell me anything until I submitted a copy of my social security number and driver 's license. They gave me a fax number to send it to. I have continuously tried to fax over this documentation unsuccessfully as it will never go through. I then sent it through the mail with overnight shipping. They told me at Equifax that it will be processed with 3-5 business days. I mailed it on XX/XX/XXXX. 
I have called them every day for the last 3 days and they still have not processed my information. I feel as though I am speaking with a robot every time I talk with someone on the phone. If I ask a question that they do not have an answer to, they will say " If I was in your position, I would feel the same way '', instead of acknowledging that I even asked a question. 
It has been a week and a half and they won't do anything except tell me " It takes 3-5 business days to process. We have not yet processed your information ''. They will not unfreeze my credit, which I did not freeze in the first place, and are unwilling to do anything else.