davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted detailed complaints with XXXX XXXX XXXX, and XXXX XXXX XXXX. and 2 of the 3 credit bureaus on this platform. It has come to my attention that there has been no new reporting on my reports after having opted out ; however, the previous reported history is still causing hardship and injury to the wellbeing of myself and XXXX babies. 15 U.S.C. subsection 1681c details the Requirements relating to information contained in consumer reports ; section ( b ) 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, meaning NO adverse item besides the conviction of crimes should be on my report, any derogatory mark is not allowed into the consumer reports, indicating a violation! further, 15 U.S.C subsection 1691a ( 2 ) ( A ) ( i ) states ; report containing information solely as to transactions or experiences between the consumer and the person making the report ; conclusion : REPORTING TRANSACTION HISTORY IS ILLEGAL. 
take Further Notice! EXPERIAN, XXXX, AND XXXX, have been allowing or sharing my personal information to solicitating credit card companies, evidenced by the very report each bureau has provided to me upon request, making this a valid claim for IDENTITY THEFT, pursuant, 12 CFR subsection 1022.3 Definitions, which states very clearly : IDENTITY THEFT means a fraud committed or attempted using the identifying information of another person without authority ; as I see it ; by use of the very definition given, anything added to my report WITHOUT MY WRITTEN CONSENT is considered IDENTITY THEFT. Every privacy NOTICE i have ever received firmly states the company/bureau DOES NOT SHARE my information with third parties, however there's record of soft inquires on each report!!! which evidences deliberate misuse and/or breech of trust! 

XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. have both been paid in full!!! I have been in disputes with both entities and their trustees for over a year now! they BOTH have misused the tender and security given to settle the obligations! they BOTH have WILLFULLY dishonored my attempts to settle the debt. their gross neglect in updating my accounts have resulted in injury! AND THE OFFER OF NO EXPLAINATION TO THE DISAPEARING TENDER ONCE IN THEIR CUSTODY!!!! 
I am INJURED from this Gross neglect! and am facing severe hardship, and displacement due to their WILLFUL NONCOMPLIANCE! 
FURTHER NOTE : due to the inaccurate reporting from these two furnishers, the other credit lines have either lowered my available credit and or closed the account to which I have no negative history with, yet this greatly effected my credit utilization!
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my XXXX credit card to Capital One credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my XXXX credit card account, however, today, XX/XX/XXXX, the money is still not in the Capital One account. I've called Capital One and they assured me they don't have anything incoming from XXXX bank towards my account. Now, XXXX claims that everything is correct on their end and the money was sent successfully and received by Capital One. Capital One claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. My money disappeared somewhere in-between and nobody is doing anything to find it, but the best part is, XXXX bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the money.
Consumer complaint received 2020-09-28
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: VANDERBILT MORTGAGE & FINANCE, INC (VA)

Im XXXX XXXX, Vanderbilt  mortgage company in XXXX TN, XXXX is reporting a mortgage to my XXXX  credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted Vanderbilt dozens of times but still no action has been taken!
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting an inaccurate XXXX account on my Equifax credit report and XXXX XXXX XXXX on my XXXX credit report, both of these accounts are the same account with different names and they were both closed on the same date XX/XX/XXXX and both sold to XXXX XXXX XXXX Both of the accounts were said to be opened on XX/XX/XXXX and both accounts were last reported on XX/XX/XXXX. The account was successfully disputed with XXXX XXXX and removed but is still reporting inaccuratly on my Equifax credit report as XXXX XXXX Closed with {$0.00} Balance ) and inaccurately on my XXXX credit report as XXXX XXXX XXXX XXXX Closed with {$0.00} Balance ).
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION (IL)

Last week I received a voicemail from a XXXX XXXX in XXXX. He left a vague message saying that I owed money and to call him. He also called friends and family and called my sister and spooked her as he mentioned her by full name and contact details like her home address and other personal info. When I contacted him he said I owed money but was not saying from where he worked with and for who he was calling about. When I asked to verify who he was he got hostile and said I was stalling the process and he was going to put a judgement on me if I didnt act in 3 days. Yesterday I got a voicemail from him saying theres a judgement on me and that they were looking for me but failed to find me so I was going to be marked as a non compliant and the court case will go without me. That they could not reach me at my house or my job. But no one came to my house because I was home all day. I did my research and the account he speaks of is not under his company and there is no judgement in my county against me. Today I called him to ask him to verify the account and send me the paperwork that shows that his company is handling the account through mail and he refused saying that if they did that for all their customers they would spend millions. When I said it was my right and the law he said not to read those phony government websites. He then said that he will file the paperwork to sue me and because I was unwilling to work with him but he was not trying to verify who he was or the account. I had called my original creditor and the company and the amount did not match with his. He was also sketchy because he called from different number and the company number he gave is not found online. He said only he was the only one that can work with the account and nobody in his company or the original creditor could help me. Then he said good luck to you and in life. 


The information of the individual XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 Balance Owed : {$17000.00} ; XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2020 I Paid of {$10000.00} balance on my off. at Bankofamerica. which left with a excess of {$310.00} credit Bankof America was to transfer {$310.00} into my checking account. They said at that time 3 days. After that I checked my Bankofamerica checking account and it was not in my account. I called my credit card company on XX/XX/2020 they charged me interest of {$40.00} on purchases then charged me {$59.00} on cash advances. This card was paid off in full on XX/XX/2020 and they said they have 5 more busnis days because there might be residual interest. 
They refuse to refund the money or transfer the {$310.00} I need the money to pay my bills. 
XXXX XXXX My email is XXXX, phone number is XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-15
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2023-01-05
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I ended up having having 2 soft enquiries, at least that is what I wanted. Just to see if I pre qualified for credit cards. But the two companies ended up doing hard enquiries on XX/XX/2022. One of the companies is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that these hard inquiries be removed off my credit report As soon as possible.
Consumer complaint received 2023-01-06
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. (TX)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THEY GOT AWAY WITH MY SAFE THAT CONTAINED MY PERSONAL DOCS AND MONEY. DURING THAT TIME A LOT OF PEOPLE NEAR ME HAD THERE HOMES RUBBED BUT IT SEEMS
AS IF THE POLICE WERENT DOING ANYTHING ABOUT IT. THERE WERE NAMES FLOATING AROUND ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN CAUGHT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE THIS FRAUD INFORMATION FROM MY CREDIT REPORT IN 4 DAYS. 

 FRAUDULENT ACCOUNTS: Account name XXXX XXXX XXXX  Account number XXXX 

FRAUDULENT ADDRESSES: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (HI)

They have continually billed my account for 2 years and I was not able to log in and use their services. Submitted several lock requests in XX/XX/XXXX and XXXX, and XXXX. 

Major refund of all services because my subscription fee was rendered USELESS due to their continuous lockout and inability to refund or compensate for loss.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have recently obtained my credit report and have realized that I have these inquiries listed below that I did not give authorization to. I need them to be removed immediately. 

Addresses to be removed : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

We have had a mortgage from PenFed Credit Union for several years. We requested and have been getting monthly paper bills since the beginning of the loan about eight years ago. We did not receive a paper bill for the current monthly payment due. I have spent hours and sent numerous emails to PenFed to get the monthly bill which contains data important to my record-keeping. ( Data such as the amount of principal and interest with each payment because sometimes I want to make extra principal payments ). 

I've gotten no response to any attempts at contact. When I managed to get through on one call, the rep transferred the call to a voice mail where for hours you can listen to elevator music and a sales pitch.

This has been going on for about three weeks. 

Fearing that our XXXX payment due would be outstanding, I went online and used my wife 's debit card to pay the monthly total ( based on the previous bill ). This was a week ago but still the amount due shows the same amount. 

We have no idea what's going on there but it has to be chaos. I've been waiting on hold with PenFed for more than an hour even as I write this. Part of the problem stems from their " new '' interface which is really bad and actually doesn't work. Go online with it an you'll see. The information we need is lacking. With regard to our own mortgage, it still shows the same amount owed in spite of the fact that we paid with a credit card. The messaging/contact links do not work. No one comes to the phone. No one sends messages back. If you were here, you would know I'm not exaggerating. It's  almost criminal whatever they have going on. I'm furious. I'm not a crank. We pay our bills. I can provide full and detailed information upon request. 

I hope you can help resolve this mess.
Consumer complaint received 2023-01-05
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)

in accordante wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I started the process from a loan processor for a fha loan with no out of pocket expenses.. He said thats the only loan i can get. Somehow i was lured away by another loan officer who ran my credit and filled out an application for me. He lied on the application. I was told I had to pay {$650.00} for an appraisal which I paid. After the appraisal the loan officer said he made a mistake and i do not qualify for a conventional loan however I would not be refunded for the appraisal. This appraisal should have never been ordered by the loan officer. The refinance option was a result of my asking for forebearance. Since then I had to pay forebearance plan thus never gaining any relief or refinance.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Accurate Background (PA)

On XX/XX/XXXX I received an email from Accurate Background regarding a pre employment background check that was to go back 7 years. Upon opening the report I discovered that information was included for something that is older than 7 years. Specifically, the date in my records as well as the date provided by Accurate Background is XX/XX/XXXX. The date of the report is XX/XX/XXXX. A dispute email was sent on XX/XX/XXXX to XXXX pointing out the error. On XX/XX/XXXX I called to follow up on the email. I was told that the disputes department wasnt available and the incorrect information had already been provided to XXXX, my perspective employer. The representative asked for my phone number and while I was getting that, she hung up on me presumably in response to my complaints that they have provided inaccurate information that exceeded the 7 year period I agreed to and have now cost me a job after ignoring my dispute.
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: Experian Information Solutions Inc. (CT)

In accordance with the fair vredit reporting act XXXX Account # XXXX, has volited my rights. 

15 USC 1681 section 602 states i have right to privacy 15 USC 1681 Section 604 A section 2 : it also states consumer reporting agency can not furnish a account with my written instructions.

15USC 1668B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

I sent {$500.00} to XXXX on XXXXXXXX XXXX XXXX  through MoneyGram as follows. 
But the receiver has not received the money yet. 
REFERENCE NO. XXXX ( This number was given by MoneyGram ) Receiver XXXX XXXX XXXX XXXX XXXX USD Receive Amount XXXX XXXX Receive Method Direct to Bank Account Transaction Date XX/XX/2022 Transaction Time XXXXXXXX XXXX Completion Date XX/XX/2022 Completion Time XXXXXXXX XXXX