davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX ; account # 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.

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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2017 XXXX, someone did a wire transfer from my Bank of America Checking Account to an account in XXXX , XXXX for {$930.00}. I checked my bank account around noon on that day and called my bank immediately and reported it. I was told that it would take up to 10 days to investigate and that they could not provide me a credit for the money taken.
Consumer complaint received 2024-11-20
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 disagree with the account listed below which still appears on my credit report. I would like this item immediately removed. I reported that this was not my account due to someone stealing my identity. It is my understanding that according to letter attached this would be deleted from my credit report with all XXXX bureaus. This has yet to happen even after providing me with confirmation. 


The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX XXXX ( account number XXXX ). Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. XXXX, TRANSUNION and XXXX have failed to investigate this account properly after I REPEATEDLY asked/disputed information to have the account updated.
Consumer complaint received 2022-09-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I have disputed inaccuracies on my credit report and Experian has failed to properly look into my dispute. they just keep sending me the same letters saying that the information is accurate which it is not. They broke the law by not removing the information on my credit report within 4 days until the investigation was over PURSUANT TO FEDERAL LAW and this has caused ALOT of denial letters from other companies because they don't want to do their job properly. This has caused me a tremendous amount of stress as well because of getting denied for credit cards or a new car for my family. Also I see on the CFPB site there are ALOT of other complaints like my complaint about Experian and they need to be held accountable for the fraudulent things they have been doing! People like myself are trying to do better in life and its always the CREDIT REPORTING AGENCIES ( not bureaus ) that fails to do their job correctly. I feel discriminated against because I feel like they are just taking these company 's sides without hearing out the consumers mind you YOU GUYS NEVER GOT MY CONSENT PURSUANT TO FEDERAL LAW TO EVEN FURNISH MY REPORTS IN THE FIRST PLACE ( IF YOU HAVE PROOF I HAVE EVERY RIGHT TO SEE IT ). PLEASE SEE ATTACHED LETTER!
Consumer complaint received 2021-12-29
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. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Millco Management (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2017-04-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (IA)

In XX/XX/XXXX I took out a loan with Spotloan for XXXX. I later found that Spotloan was not licensed to loan in the state of Iowa, and were charging interest in the amount of over 300 % APR. As of XX/XX/XXXX the balance was reportedly at XXXX, even though I had made two payments of XXXX to take off a balance of XXXX. The remaining principal would only be XXXX, and Iowa lender guidelines for payday loans would only be XXXX that could be charged in interest per year. Now I am unsure of which collection agency would have loan, and should only be responsible for paying back XXXX for the remaining payday loan balance. I have received calls from collector XXXX or others with no mailing address to send payment.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (FL)

I have been trying to correct a home owners problem with my mortgage co Roundpoint I have been calling them XXXX months and getting no where. 
In XXXX they notified me that XXXX XXXX. listed me with Slide Ins. for my home ins., but I already contaced XXXX XXXX XXXX XXXX, Roundpoint paid both ins. companies from my escrow account. After receiving refund from XXXX I returned the check to Roundpoint but will not change my escrow account to reflect my returned check. 
MY problem is my escrow account is over stated, and I can not get them to send me a corrected statement with correct amount to pay. 
I call them and they keep telling me it's fixed but they keep mailing me the same amount due. can you please help me thanking you in advance XXXX
Consumer complaint received 2024-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CO)

I have had this acct for years. I have it as backup card for medical and vet visits. I just discovered they closed this acct without notifying me and causing adverse affect on my credit score because it was one of my longest opened accts. Care credit is just for that. I was recently forced to use my sons acct because of their actions. I should not have to rerun my credit and this should not have been closed
Consumer complaint received 2021-12-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 44 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report promptly. Therefore I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was impacted by the data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX of 2023 there were 2 withdraws of {$180.00} and {$200.00} on my fith third checking account I disputed this and they said it would take up to 8 bisness days to resolve this disputed amount I waited the 8 days and recieved a temporary credit today as of XXXX  XX/XX/XXXX I called to check the status of the ongoing fraud case and when they checked the lady told me the case was closed and if I wanted more information on the fraudster that may have done this I was to contact my local police department when I did they told me that it would be under a police report but the thing is I didn't make one the bank was the one that handled my dispute case I'm trying to gather more information on who to contact and if the bank will press charges on the Fraudster that did this I would like to know how or what they did to handle this fraud that occurred on my account and who I can contact regarding this issue!
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (UT)

After my account was frozen due to some fraudulent activity, I changed my password ( both on my Venmo account and my associated email address ) and removed all unknown devices linked to my profile. I sent a follow up email and only got an email reply with a bunch of unhelpful articles from them that all basically advised to " Refer to the email we sent you for further instructions, '' but guess what's NOT in any of those articles ... yep, no " further instructions '' outside of what I'd already done. When I tried to call and spoke with someone I was told that the case had been escalated to another department that would reach out to me " within 5-7 business days, '' when I've already been waiting for a resolution for almost a week. The agent escalated the case and stated " HOPEFULLY an agent in that dept. will email you sooner than the 5-7 days. '' I requested to speak with someone in that dept. but was told that they " don't have phones '' and " only communicate via email. '' I've worked at enough call centers in my life to know that that's a lie. There's no way that there's not SOMEONE there that I can speak to that can resolve the issue whether in the dept supposedly handling my case or a manager. I currently work three jobs in order to make ends meet and one of them pays via Venmo, so I can't receive what's owed to me currently ( to pay my bills ) until this is resolved .... god knows when that will happen. If I had another option of getting paid by that employer, you better believe I'd already have done it.
Consumer complaint received 2024-04-22
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: American First Finance, Inc. (SC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2021-01-12
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. (PA)

XXXX XXXX Balance : {$6700.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX Balance : {$550.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$1200.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$6100.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank will not stop emailing me bill reminders - multiple monthly. 
I closed my parents accounts ( deceased ) and the estate account around 2 years ago. I have called multiple times. I have written multiple times. I have contacted them on XXXX  multiple times. They claim it will stop but never does. It causes me mental distress every time I receive the emails. I just want them to stop. The bill reminders come in my mothers name, she has been gone since 2016. Thank you for your assistance.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NJ)

I did not authorize that my credit should be ran With these companies and I am unaware of this transaction : XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX One main financial on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorize any of this transaction With that being said, Ive XXXX out to the credit bureau and nothing has been done. I reach out to these agency and nothing has been done. Immediately action will be taken, and these will be removed from my credit report
Consumer complaint received 2024-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2022-11-22
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. (FL)

XXXX  XXXX XXXX : Account number : 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 An 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NBT BANCORP INC. (NY)

Was notified by XXXX that NBT Bancorp, XXXX, NY, has reported my auto loan as 30 days past due delinquent, severely impacting my credit score. I contacted NBT and was informed that my account is current and should not have been reported to XXXX as delinquent. Was told that the bank is aware of a problem occurring with credit reporting, but representative was unwilling to commit to correcting my records with the XXXX. This has resulted in credit issuers threatening to reduce my credit limits and impose higher interest rates for existing credit card accounts.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (KY)

Chase bank has suddenly closed all my checking accounts on XX/XX/24 without any explanation. Despite multiple attempts to obtain clarification and a resolution, Chase Bank has refused to disclose the reasons for the account closures and has further declined to provide a timeline for the return of my funds. 

I have both business and personal accounts totaling {$26000.00} with Chase bank, this sudden closure has left me in a state of financial distress. 

Without access to my funds, I am unable to meet essential expenses such as rent, utilities, and operating costs for my business. Moreover, as I do not maintain checking accounts with any other financial institutions, this action by Chase Bank has severely impacted my ability to conduct daily financial transactions.
Consumer complaint received 2023-06-15
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. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX 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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2023-03-16
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. (KY)

In accordance with the fair credit reporting act this creditor has violated my rights according to Act 15 U.S.C 1681 section 602 states I have the right to privacy. 15USC 1681 section 1604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under any open consumer credit plan as late for any reason. 

Agents at TransUnion XXXX XXXX All have accounts that are open that are consider late. I have disputed several items and been lied to and told it can not be removed while they are breaking the law Late payments on XXXX  XXXX account number XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Department of education XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Ive been told that I can not remove inaccurate information including names address and phone numbers My Identifying information is not correct 1 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX 1 phone number XXXX Inquiries could not be removed form Even though I let it be known that the inquiries were fraudulent The only inquiries I should have are only tied to open accounts
Consumer complaint received 2021-01-05
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: National Credit Systems,Inc. (TX)

I have a National Credit XXXX for XXXX that isnt my debt, and it is hurting my credit. It is only with XXXX, but XXXX hasnt removed it through disputes, and the company doesnt provide proof.