davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: NBT BANCORP INC. (WA)

Due to a recent health condition that happens when I was in XXXX, I struggled to make my loan payment for five months. After returning back to the XXXX called NBT bank and made the past balance in full. On XX/XX/XXXX I made a back payment in the amount of {$2100.00} and continue since then to make regular monthly payments in the amount of {$420.00}. Since XX/XX/XXXX until now I am trying to receive regular monthly statements with payment tickets which will allow me to send checks to NBT bank rather than calling every month to make payments over the phone. Sometimes I am not in a position to call the bank to make a payment. I tried to sign in online for automatic payments and was told I can't do that due to my past balance. Every month I called and bagged the bank to send me payment slips with the statement so I can mail back the check rather than calling but every month I was told the statement will be mailed and nothing happens. I also asked why they don't update the loan information on my account online so at least I can see the remaining balance however nobody ever answered that question I was always transferred to the collection department even though I was current on my payment I still made over phone payment within bank collection department. When I asked why I am been transferred to the collection department when I am current on my payment I was told that my balance was written off and that only the collection department can collect funds from me. So the question is if my balance is written off by the bank to whom in the world I am making payment? Well, I did finally receive a letter, not a payment slip just a letter stating that my payment should be sent by XX/XX/XXXX in the amount of XXXX to NBT bank in an enclosed envelope which was not there, no payment slip to detach and mail with a check so my question to this bank do I deserve some respect as a human and why I been treated without the respect all the time when I had health issues like humans and struggle but show my will to make payments on time as I promised when I took the loan
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank has repeatedly called my number today five  times in six  hours from XXXX XXXX to XXXX XXXX. This has now crossed over into the land of harassment and it needs to stop. No Voicemail is every left, I am dealing with the COVID-19 pandemic like everyone else and these people and their constant calling is only adding stress.
Consumer complaint received 2022-12-28
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: Mr. Cooper Group Inc. (CA)

I have loan with NATIONSTAR MORTGAGE. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2020-04-03
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. (MI)

Experian credit bureau deleted an chapter XXXX bk on XX/XX/2020 then added back on XX/XX/2020 the source that they say they got the information from I have letter stating they havent discussed or communicated any information pertaining to me with anyone
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT SINCE XX/XX/2023 FILE NUMBER XXXX THEY NEED TO UPDATE MY NAME THE MIDDLE NAME IS INACCURATE REMOVE XXXX XXXXXXXX REMOVE OLD TELEPHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX   XXXX {$2400.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$550.00} XXXX  XXXX {$7000.00} XXXX   XXXX  XXXX {$460.00} XXXX XXXX   XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-11-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX, and I am sending this request again to address the fraud account on my Credit Report. I received a letter from CFPB that Credit Bureau closed my complaint with Complaint # XXXX, XXXX, and XXXX to protect my PRIVACY. As of todays date, the 3 credit Bureau has not responded to my dispute.Below the account which do not belong to me or was opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$36000.00}.
Consumer complaint received 2020-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX   XXXX {$2400.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXXXXXX {$550.00} XXXX  XXXX {$7000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX   XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

After reviewing credit report Bank America continues to furnish inaccurate data on credit report.

Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

TXXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

This is not a duplicate complaint and this complaint due to the XXXX evidence that I have generated from legal sources. Please note, I'm representing myself with no third party and I know my rights very well, I been turned down by Experian Credit Bureau to do fair investigation regarding Public record on my report, I have sent letters trying to get correct information and verifiable information from Experian but it turns out being refused or ignored. I have sent dispute to Experian before and they completely ignored my letter, eve thou I mailed all via certify mail with return receipts. Obviously, they really violated the law and my rights and refused to correct their blunder. Emotionally I'm completely down and I can't believe how Experian can disobey the law. 
So, XX/XX/2022, I went to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. I have attached here all supportive documents for my statement : letter to the court and letter that I received from them at the same day by written by clerk of courthouse. 
15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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.

According to : 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 2020-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies.

I received " system not available '' massages from all 3 agencies ( Experian, XXXX and XXXX  ). Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I charged a rental at XXXX XXXX and was not allowed to rent the vehicle. The date was approximately XX/XX/2020. XXXX had charged {$160.00} to my card. I disputed it with Citibank who initially credited the charge but reversed it after XXXX advised them of their no refund policy. I then turned my attention to XXXX who assured me on several occasions that they credited -or release the authorization as early as XXXX XXXX then again on XX/XX/XXXX. I have yet to receive any credit on my credit card while both Citibank and XXXX are pointing fingers at each other. After speaking to XXXX Customer service on XX/XX/XXXX and a supervisor by the name of XXXX at XXXX called left a message assuring me that a credit would be on my credit card within 3 to 5 business days. As of today XX/XX/2020, I have yet to receive the credit. The case number of this escalated matter at XXXX is XXXX. 
XXXX from XXXX advised in her message that XXXX can't cancel the policy nor issue any correspondence to the fact that they issued a credit, therefore, I have no other evidence other than the message left on my voicemail that a credit would be issued.
Consumer complaint received 2020-04-03
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. (HI)

TransUnion LLC XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc. (PA)

Consumer Portfolio continues to furnish data on credit file. Car appeared on credit file 2019. Contract was an obligation with myself and ex husband. When car was repossessed company failed to make contact with me when car loan was in jeopardy. Never received any documents regarding sale, disposition if gap coverage were calculated. Company failed to comply. In addition, full investigation regarding unfair sales practices during time of sale.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I received a bill from HSBC Master card for charges incurred from XXXX XXXX XXXX, 2020. I found that I had been charged {$2300.00} for purchases made via XXXX ( see attachment ) from individuals in California. I live in Illinois. I called HSBC and disputed the charges. They sent me a letter dated XX/XX/2020 denying my claim ( see attachment ). I called again on XX/XX/XXXX, but could not get through to an operator. I called again on XX/XX/2020 and appealed the denial, requesting a new investigation.
Consumer complaint received 2020-03-25
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. (MI)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX