davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
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. (KS)

on XXXX-18 I was informed that there was a breach in equifax system and all my information was released to the public and it wiped out my credit report and score and they have made no attempt to fix it or inform me of any updates concerning the situation.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX has been reporting a fraudulent account on my credit profile for 7 years as a charge off. Theyve been supplied with a police report, as well as an identity theft report and the information has not been removed. They are also in violation of the reporting term. For any closed delinquent account of 7 years it should automatically be removed from your credit report, and is still reporting on mine. This account is also a charge which means they received a tax credit from the IRS on the account with form 1099 C and the account balance should be XXXX. They are no longer legally able to collect on this account.

American Express is reporting a charge off with a balance of {$7000.00}. This is incorrect the balance is XXXX  as the account has been accommodated for by the IRS via a 1099 form. This account has also been paid in full since XX/XX/2022 and was overpaid so a check was sent out for {$30.00}. Theres been no late payments on this account and the balance is XXXX. 

XXXX XXXX payment history is incorrect and no later payments have been made.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

I was sick for a long time Ally didn't even allow me to make any payment arrangements..charged me for alot of late fees ..I paid off back payments including late fees and they never report them to the credit bureau now I srtat to pay them ontome they never report that neither to help me build mu account I never see any bank that finance a car and refuse to help when something happen ..they only there to collect money not even report them to help you build the credit ..that 's unfair..
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Here is a list of hard Inquiries that I have no knowlege of : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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. (NC)

Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have 58 Hard inquiries on my Credit Report. Only 4 of those are accurate. 
XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  + Automotive ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2022 + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/2022 + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX- Automotive ( XXXX ) XXXX
Consumer complaint received 2023-05-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

good afternoon dear, I want to know the reason why you do not help me, I am a low-income person, and in a country with many problems ( XXXX ) XXXX the bank closed my account and without any explanation, which I think is in their right, but it is my right that they give me my money, I have been having this problem for several years and to this day no solution from the bank or from you, I do not have a XXXX, I can not go to the United States XXXX there is no embassy in my country, I ask you to give me my right to my money that with so much effort from my work I have been able to collect, my account was closed in XX/XX/XXXX, and I have filed 2 complaints here with the number XXXX dated XXXX XXXX and XXXX dated XX/XX/XXXX, and they have been closed without any solution, and I only ask you to please give me my right as an honest person that I am to have what is mine, that is all I ask of you, and please do not close my case without my consent that the problem was solved, my balance is XXXX thank you very much
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-07-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX along with and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and a list of residents, businesses mobile apps and websires have been using my name data identification snd otger personal identification illegally. Money and other assets by the government of the united states as well! This was done without my personal knowledge or permission and i would like to take legal action on anyone who id involved and i want all money returned immediatly!
Consumer complaint received 2017-05-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (MD)

ON    XXXX   XXXX   XXXX     I was called by  XXXX   XXXX   XXXX  and a representative spoke with me about refinancing. I told him that I had spoken with someone and I had to pay off some debt to bring my  credit score u p and he said you only need  XXXX  and I said ok. I was transferred to  XXXX   XXXX   XXXX  and explained the situation and he said no problem we can do something. I called this morning and he get to explaining that we had too much debt and my  credit score  was too low ; all what I told him in the begining. I also told him his representative dont know nothing and do not have the right to tell you anything. I said then why do he work for you. We went on and on and he said you have too much debt and could not help. I said I told you that in the beginning. I dont know if they get anything for seeing if the people do qualify and they dont. Can something be done about companies trying to say they can help after you explain the situation and dont help.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NJ)

I was supposed to receive COVID-19 assistance from Fortiva, now I complained back in XXXX of 2021 regarding not receiving statements to be able to make statements. The only time I receive statements is when the account is past due and they have charged late fees to the account. I have contacted them regarding this same issue 4-5 times previous and it is the same thing. They will change the due date so called credit late fees ( which I don't see ) then I won't receive a statement again for 1-2 months. To me this fals under statutory lending, and false billing.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I went to my bank 's USAA - ATM which is an off site ATM to make a deposit on XX/XX/2023 at XXXX TERM ID XXXX. The check amount was {$560.00}, coming from my wife 's bank account, which I have made in the past numerous times but NOT at that ATM location. The location address is XXXX XXXX XXXX XXXX, XXXX XXXX, TX. 
When I would make a deposit with the same check from same bank in the past but at my normal off site ATM off of XXXX and XXXX XXXX, the ATM system would made the funds available the same or next business day. This other ATM had in issue reading the amount of the check since it gave me a message " Unable to read the check amount, please enter the amount '', so I did on the key board. When it did not give me the funds available, online it showed funds being held 5 business days. Monday when i called my bank, rep said it deemed the check possible unpayable? My wife called her bank on Monday, they verified the check was cashed that day. Why is USAA holding on funds received and still waiting for this POSSIBLE UNPAYABLE check, when it already paid. I think the ATM program is off, since it could not read the amount on the check, and entered a code for a bad check in error. I needed the funds to pay for RX, and my livelihood.
Consumer complaint received 2024-04-05
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: Mr. Cooper Group Inc. (VA)

First, I categorically reject the closing of my previous complain. Their answer ignored several issues, forcing me to address each one via a new complaint. They do not respond to internal queries, only CFPB complaints. Here is the summary of what has happened : Mr. Cooper failed to manage my account from XX/XX/XXXX to XX/XX/XXXX. They messed up the vestment of my loan and did not catch it until XXXX XX/XX/XXXX. They then failed to call me and badgered me to pay $ XXXX and neglecting to investigate why my account was so messed up until a week of me calling, arguing and panicking. 

On to my next complaint. 
My account is being reported as delinquent, dropping my credit score by XXXX points. They have admitted they created this error and have still insisted on ignoring my messages and reporting me as delinquent, putting my clearance in jeopardy. Without my clearance I dont have a job. IAW 12 CFR part 1024 regulation X should not be continuing to report a delinquency as a result of their negligence. 

I have offered to move on amicably and close all complaints if they simply admit fault and waive these fees. Since they have ignored me on their internal customer service system and respectfully reject waiving the fees, this is my first of several complaints.
Consumer complaint received 2023-05-19
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. (SC)

I am formally requesting that you Validate all tradeline listings by XXXX XXXX for me, XXXX XXXX XXXX under account number XXXX. Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I have some contractual obligation in relation to that tradeline. 

Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R & B Corporation of Virginia (VA)

I just viewed my credit report and there is an account from a company I have never heard of. This company never contacted me, by first class mail or certified mail. 

This company name is Credit Control Corp from XX/XX/2011. I have never did business with this company. I never received any letters from this company. They just put an account on my credit reports and left it. No right to dispute the validity of the alleged debt letter was sent. They have violated the FDCPA and the FCRA. 

If I did n't check my credit today, I would have never knew that this account was on there. This company has violated the FDCPA and the FCRA. 

I want this account removed from my credit reports. I have never heard of Credit Control Corp, Acct # XXXX
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX,
Consumer complaint received 2017-04-04
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar Mortgage calls anywhere from 3 to 5 times a day and when I pick up the call to say hello they hang up. I have called them back with almost each and every call and told them to stop calling me and hanging up but they threaten to cut off all communications via email and mail. As they are my mortgage company I can not allow them to stop mailing me my statements or electronic correspondence. When I again tell them to stop calling me and hanging up they tell me its the automated dialer and not them personally who is doing this. When I tell them to take me off the dialer they again threaten to cease all communications. I have two months left on a repayment plan which was put in effect two months ago. Since then the calls have increased. I do not want to be harassed and I have told them this repeatedly. When I ask for a supervisor they either hang up when " transferring '' me or I get a supervisor who apologies but then continues with the threat of ceasing all communications. I am literally at my wits end hearing my phone ring and knowing they are intentionally trying to harass me over nothing. Please help.
Consumer complaint received 2023-08-02
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: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I have created a new account with XXXX. However, I was not able to link neither my bank account, nor my debit card to my account. Every time I receive a message saying that the details I have entered are incorrect. While I have double checked multiple times that the details I have enetred match exactly the details I have on file with the bank. When contacting customer service, it is absolutely impossible to contact a real person and get an answer about my issue. They suggest to contact the support team through chat. Every time I tried to do that I get the following response : " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". I tried to contact PayPal customer service team via chat ( as there is no other means of contact available ) multiple times during different times of the day and always get the same reply " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". When I am asking when can I contact so that there is a Customer Support Agent available - there is no response. Neither there is an indication of the working hours of the Customer Service Agents available on PayPal website. Whatever the issue might be, there is practically no way to contac the company. This is absolutely unacceptable. There no support. The only way to communicate with Paypal is via chat where I always get the same answer " I'm sorry, but no Customer Support Agents are available at the moment. Please try again later or browse the PayPal Help Center for answers to frequently asked questions. ". I believe that any company in any industry has to have means for customer to raise questions, concerns and get support. If the company does not provide means for customer support and feedback- it is a violation of customer rights.
Consumer complaint received 2023-03-25
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. (TX)

In accordance with the fare credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 
Account name XXXX, Equifax, XXXX have violated my rights. 
15USC1681 section 602A states that I have the right to privacy.

15USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1681C. ( A ) ( 5 ) section states no consumer reporting agency will make any consumer report containing any of the following items of information, any other adverse items of information other than records of conviction of crime which antidate the reporting by more than 7 years.
Consumer complaint received 2023-06-12
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. (NV)

For the past several months I have submitted documents against the credit reporting agencies Experian, XXXX, and XXXX XXXX. All I get back for a response is the Bankruptcy is valid. I never submitted documentation with my consent to fish for information to add to my credit report. I have filed charges with Nevada State Attorney General for Identity theft.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have an ID theft problem and I can't even keep up with everything that is going on. It's on my credit report that I disputed my XXXX Credit card and I didn't. Basically, it was a fraudulent complaint. This ID theft person or group of people do stuff like this to confuse the issue. There are so many other things. It's just too much to deal with.