davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, just after XXXX XXXX, XXXX XXXX contacted me by phone saying that my account information was different than before and that I had applied for a credit card through XXXX XXXX. The most recent bill on the use of this credit card had not been paid and needed to be paid by me and would have to be reported to the court if not paid. After confirming that the account was in my name but that I did not own the account, I was advised to file a report with the location of the XXXX credit card ( XXXX, XXXX XXXX ). During the reporting process, the XXXX police said that I was in possession of the stolen money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a month later, and then eventually handed me over to the prosecutor and submitted my personal funds to be inventoried. I sent a message to the prosecutor on the evening of XX/XX/XXXX ( US time ) stating that our family could only provide {$150000.00} and he said he understood and would negotiate with me for the remainder. My parents transferred the money to me on XX/XX/XXXX XXXX time and XXXX XXXX XXXX asked me to send him a screenshot of the amount in my account and said he would record it for me. On XX/XX/XXXX and XXXX, I was asked to submit the amounts. He also asked me to take pictures of the documents after submitting them to him. He also told me to report to him if the bank called to confirm and the amount was transferred. XXXX XXXX XXXX said the one submitted on XX/XX/XXXX arrived on XX/XX/XXXX US time, and the one submitted on XX/XX/XXXX informed me on XX/XX/XXXX that it arrived. On the morning of XX/XX/XXXX U.S. time, XXXX XXXX XXXX sent a message to me saying that after their meeting they said that I needed another {$50000.00} for my review funds. After I explained to my family, they transferred the money to me on XX/XX/XXXX and the submission was made on the same day, also to a different XXXX XXXX account. In the early morning hours of XX/XX/XXXX, the same day, XXXX XXXX XXXX changed to a new XXXX account to contact me. In the early morning hours of XX/XX/XXXX US time, XXXX XXXX XXXX sent me a message and said the funds had arrived. During this time or daily reports until XX/XX/XXXX, the XXXX XXXX XXXX said he would meet today and asked me to restore my phone to factory settings and to re-register my apple id. He then gave me a code word and told me that a special agent would contact me in about 10 days for the funds to be returned. He would contact me again after the funds were returned and his account would be sent for testing and reported suspended. Until today ( XX/XX/XXXX ), no one has contacted me.
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Account : XXXX XXXX XXXX # XXXX Per FCRA 611-A-1-A. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Transunion Policy : If the creditor does not respond within 30 days, TransUnion will delete the information from your credit report.
Consumer complaint received 2019-12-07
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. (FL)

I am attaching all documentation. As you can see I opened this account at the store on XX/XX/2019 and my first statement due was {$94.00}. Even before I received my first bill, I visited their website and set up automatic bill pay to pay the statement balance in full. Unbeknownst to me at the time, my bank account entered was off by a digit. Apparently, like most websites, there was no quality check to ensure my account had the correct # of digits, so this went undetected. Of course, since I set up the payment in full and when I received my next bill in the mail showing a balance due of {$2.00}, I had every reason to believe the account was in good standing. What I did not know was that the XXXX payment was paid then rejected because the bank account # was wrong and there was no quality check to determine the error and no notification to me by XXXX XXXX. At the end of XXXX when the 2nd payment in full was rejected, I did receive a call from XXXX 's credit notifying me there was a problem. I called back immediately upon hearing the message and the representative and I discovered that my bank account # was off by a digit. We fixed it and she refunded all late fees and interest charges and led me to believe everything was fine and that there was an agreement that I was not late, but this was a tech/digital error. Not until I checked my credit ( I do so regularly ) did I see a hit to my score, Apparently XXXX XXXX had reported me 30 days late.I immediately disputed it with all credit bureaus and they all corrected it, including Trans Union. The following month, XXXX XXXX reported it again to Trans Union, after they had removed it, at which time I called XXXX 's to find out why. The women there were extremely rude, condescending and unhelpful and accused me of being delinquent, no matter how much I showed them evidence and explained clearly that this was entirely technical, digital, error and I had clearly made every attempt to pay the bill on time, in full, and my XXXX statement showed a {$2.00} balance, so I looked no further to see the transactions that showed a reversal. No matter what, they would not even look to see the actual facts. They said I should have looked further, even though as far as I knew, my automatic bill pay at their site was set up before I even got a paper bill., and my XXXX bill was {$2.00}, so obviously my payment went through. You can see clearly that this error in my bank account # was the reason for all of this, and any reasonable person or agency would reverse this negative reporting to my credit report.
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I currently have an auto loan with JP Morgan Chase and I have automatic payments setup with them. I received a notice from the bank that my auto loan is delinquent for the XXXX and XX/XX/2018 installments. I called the bank on XX/XX/2018 and advised that I have automatic payments setup and that my account should not be in default. The representative then explained to me that the bank experienced system issues with automatic payment system which resulted in my XXXX and XXXX payments to not be drafted. I then paid the amounts due by authorizing a phone payment in the amount of {$780.00}. I did not think much of the credit reporting impacts as they advised that they had payment system issues. I thought that since they made the error, that it would not impact my credit. 

My husband and I recently applied to refinance our home. While going through the refinance process, it was brought to my attention that my auto loan reflected a 30 day delinquency in my credit report. I further investigated the matter by pulling my credit report with the 3 credit agencies. XXXX and XXXX did not report any delinquency but showed a lapse in payment for XX/XX/2018. XXXX   reported my XX/XX/2018 payment as 30 days late. I am attaching copies of my credit report, payment transaction history from my checking account and a screen shot of my chase online banking settings confirming that I have automatic payments setup. 

I do not believe that Chase has treated me nor other customers affected by their payment system issue fairly. I also believe that this is an FCRA violation. The bank made an error which resulted in non-payment and reported my account 30 days late. The bank should have done the right thing and ensured that they were proactive and corrected any negative credit reporting that stemmed from their payment system issue. My credit report should not be penalized due to this bank error.
Consumer complaint received 2018-10-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Sir : I've been trying all dat today to close my Capital One 360 account and still no progress. I'm writing you because the customer service staff are giving me the run-around, transferring me, then I stat on hold. I've also written an email today. When I tried to go to customer service links or to certain links within my profile account, I keep getting silly little messages stating that Capital One site is having problems then it was the browser, etc! It really seems to me as there is a game being played on me & trying to stall me for some reason.

I only have XXXX in the account! Geez XXXX XXXX XXXX
Consumer complaint received 2017-11-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX XXXXn failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my XXXX XXXX XXXXoan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX. Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX loan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
Consumer complaint received 2017-11-09
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. (NY)

Equifax, XXXX XXXX XXXX have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (GA)

The scoring models used by the credit agencies are CLEARLY FLAWED as shown last XXXX when XXXX reported millions of inaccurate scores to lenders and absolutely damaged consumers. 
The use of SCORES should be abolished and we should return to the days when a lender actually had to look at the report, study the person 's creditworthiness, and make a decision. 
I plan to file legislation through my Congresswoman to abolish all credit scoring. 
The bureaus should opt to remove it themselves PRIOR to this because a class-action will be part of it.
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: EQUIFAX, INC. (FL)

My name is 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 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-05-18
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. (IL)

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.

15 U.S.C 1681 Section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (UT)

Over the years I have obtained annual reports periodically. On XX/XX/2019 I paid {$1.00} to get an annual credit report from Experian. 
On XX/XX/XXXX + XX/XX/XXXX Experian then charged my credit card {$21.00} for a monthly report. I called Experian and their representative " XXXX '' only would stop billing me further without explaining how this happened.. " XXXX '' said the company would not refund the previous fraudulent ( to me ) charges from XXXX and XXXX. I can speculate that Experian has a check box somewhere disguised on the {$1.00} report web page such that they are allowed to begin charging monthly reports on unsuspecting elderly clients such as myself. 
I do not need the refund money. This is predatory of Experian and I hope you will stop this from affecting other folks. 
XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX has been reporting 3 of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which XXXX XXXX XXXX XXXX  sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Consumer complaint received 2019-12-08
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. (FL)

XXXX XXXX XXXX XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around the XX/XX/XXXX I noticed transactions unauthorized or unfamiliar on my account but due to I didnt get or receive my statements even mail or email service ( I requested on XXXX and they start sending the statement last month ) I made and send the report with the transaction highlighted to this bank to make the corrections. XX/XX/XXXX, receive a letter in reference to my claims said- no error has occurred in this instance.We now consider your claim resolved. But wait? They didnt do anything or resolve nothing and on the bottom said a number to call. I call that number and the representative tells me : theres no documentation relied to your claims. So? Honestly I need help because is my and family money
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. (SC)

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX XXXX : {$9300.00}, XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (VA)

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U. S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.