davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The Driver 's License expiration date is incorrect as listed on the XXXX report for XXXX XXXX XXXX and for XXXX XXXX XXXX. This is information was supplied by BANK OF AMERICA to XXXX for three accounts ending in XXXX, XXXX and XXXX. 

The expiration date of XX/XX/XXXX does not belong to either XXXX or XXXX resulting in inaccurate information reporting being furnished to XXXX by one of its participating financial institutions. 

Inaccuracies, in addition to the incorrect ID Expiration Date are as follows : Acct XXXX ( checking ) was closed on XX/XX/XXXX : On both reports it states {$0.00} Interest Paid on XX/XX/XXXX this is inaccurate information stated on both of our reports as the account closed on XX/XX/XXXX On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Acct XXXX ( savings ) was closed on XX/XX/XXXX : On XXXX report it states activity on XX/XX/XXXX yet it is not recorded on XXXX report yielding reporting differences/discriminations On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Acct XXXX ( CD ) was closed on XX/XX/XXXX : On XXXX report it states {$0.00} Interest Paid on XX/XX/XXXX yet it is not recorded on my husbands report this is inaccurate as the account was closed XX/XX/XXXX and there are reporting differences/discriminations On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Because of these numerous reporting inaccuracies and because of discriminating reporting practices, we would like resolution as follows : 1 ) Remove the three accounts, in totality, from the XXXX Report and any other consumer reporting entities for both XXXX XXXX XXXX. 
2 ) Send a letter detailing the investigation findings as to how these inaccuracies were associated with us and subsequently why they were reported to XXXX. 
3 ) Have new EWS reports sent to both of us following inaccuracy corrections.
Consumer complaint received 2023-08-08
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)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

OnXX/XX/2019 I mailed two letters of dispute for an alleged collection with a balance of {$790.00} to Portfolio Recovery Associates, XXXX and they were delivered XX/XX/2019 at XXXX XXXX. I mailed the same letter twice being that they reported two different address on the credit reports where this alleged debt is listed under my Social Security number. On today, XX/XX/2019 I received two separate letters both dated XX/XX/2019 from Portfolio Recovery Associates, XXXX stating that, " In our previous letter to you, we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. '' ( Note that in the comments on my XXXX credit file, this company states that they've " completed investigation of FCRA dispute ). Listed on my credit files ( XXXX, XXXX and XXXX ) are the comments " consumer disputes after resolution '', " dispute resolved ; customer disagrees '', and " subscriber reports dispute resolved ; completed investigation of FCRA dispute ''. I have never received ANY letters from this company whatsoever regarding this alleged debt listed under my Social Security number except for the letters stated above delivered XX/XX/19. I have also never signed any law binding contractual obligations with this company to repay this alleged debt. Also note, per my XXXX   credit file, the account status is listed as Closed, but this alleged debt is in collections being reported as Failed to Pay -- to date. Portfolio Recovery Associates, XXXX is reporting differently to each of the previously mentioned Credit Bureaus ; items such as account number, account status, terms, and original creditor.
Consumer complaint received 2020-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was unaware of this lawsuit judgement until it appeared on my credit report. I looked up the court case and they stated they served me and described me as XXXX and XXXX pounds. 
I am XXXX and I weigh XXXX. This is unfair debt collection acts.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

One line : Credit bureaus must explain to us, why they change our credit score. They can't hide behind " multiple factors go into it ''. 

Background : My credit score tanked by more than 30 points recently, at all three ( XXXX, equifax, and XXXX ) credit bureaus. 

There is no activity on financial front from my side. I didn't open or close any bank accounts or credit cards or loan accounts. I didn't fall behind on any of my payments. 
So I'm very surprised why my credit score would change, and that too, by such a large amount of XXXX plus points. 

Only thing that changed is that my mortgage was shifted from XXXX XXXX to XXXX XXXX because XXXX XXXX acquired XXXX XXXX That is not my fault. I haven't missed any payments. What can I do if the banks merged, and reported the XXXX XXXX account as closed? 

I opened disputes with all three bureaus saying that I suspect that the merger activity is construed as if I closed the XXXX XXXX  account, and that I suspect this has affected my credit score. I asked them to confirm what caused the drop in score, and why. 

None of the bureaus explain why they reduced my credit score. Even after calling them repeatedly, they keep saying they can't explain why the score was reduced. 

As part of dispute resolution, Equifax and XXXX bureaus checked with XXXX XXXX, and XXXX XXXX  said all information on the report is correct. So the bureaus closed the dispute. 
I have yet to hear back from XXXX. 

I'm not disputing the information in the report, but I am disputing the fact that these bureaus have affected my credit score. My dispute is with the bureaus, not the banks ( as of now ). 

The Bureaus have to explain why they have reduced my credit score, and they also have to explain why the two banks merging is my fault.
Consumer complaint received 2020-01-02
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. (NJ)

I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX XXXX- opened- XX/XX/XXXX amount {$3900.00}
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

Falsifying information on my report : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (DE)

Discover Financial. 2020 its said paid charge off. I requested over the last 3 years to have the charge off removed and Discover financial wasnt reported accurate payment information to the Credit Bureaus everything about my file with Discover is inaccurate. Please have Discover send you in my file every signature every payment every phone Conversation
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report private information. Also I have sent motionable instruments XXXX XXXX, previous to this complaint, not only did they keep the instruments but they did not reflect the payments to my account. 

This company has also been contacting me regarding a debt. I have received letter in the mail to include the one attached explaining they were going to reposes the vehicle. 

This has been really trying for my mental health as well.
Consumer complaint received 2019-11-30
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. (TX)

Equifax refuses to grant me access to my credit report. I have repeatedly answered security questions, obtained security codes, etc, and they continue to have my account locked. 

This is a clear UDAAP violation that is detrimental to not only myself, but to the entire consumer credit community.
Consumer complaint received 2022-09-04
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. (IN)

After carefully reviewing my Equifax credit report, I noticed several fraudulent credit inquiries on my report. The following inquiries that I didn't recognize, or authorize are as follows : XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX on XX/XX/XXXX.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had XXXX credit cards with Bank of America. I had opened XXXX account in XXXX and I opened the other in XXXX. They closed both of my credit card accounts on XX/XX/XXXX and they sent out 2 letters shortly thereafter. They have written and stated that the reason was irregular authorized user activity. Any authorized users on my accounts were permitted by myself, the authorized user and Bank of America otherwise they would never have been added/approved. They also took my cash back rewards and told me that I forfeited those funds. Those funds were about {$140.00}. They even told me that this is part of their rewards program rules. This simply sounds like they are allowed to basically take the funds at any given time instead of forwarding those funds to the credit card holder. This in itself should be illegal as I could understand if I closed the accounts but I didn't, they did. I did not receive any phone calls or letters that there was any irregular authorized user activity on my accounts or any concerns with my accounts other than 1 call sometime this past summer asking if I had added an authorized user to my credit card. That was the only phone call that I received from Bank of America in XXXX from what I recall. I spoke to Bank of America and still have not been given a legitimate reason why my XXXX accounts were closed other than what I have stated and was told Bank of America can close out anyone 's account at any time for any reason and if we close out your account all funds in your cash back rewards account are thereby forfeited. This again does not seem right or fair in any way because if any bank decides they simply want to close out a person 's account and that person has cash back funds sitting in their account they would all lose their money. They even told me I could request to reopen both accounts knowing in advance that the request would be denied shortly after they run my credit because they already knew that the notes in their data base indicated that they revoked my credit cards. The letters did not mention anything of the sort and I requested for both cards to be reopened and it wasn't till after they re-ran my credit did they tell me the accounts are revoked. Again I do not feel this was warranted, I was never late, no true explanation for this and the closure of both cards had a negative impact on my credit report which why I am filing this complaint.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

I HAVE BEEN HAVING PROBLEMS WITH 3 COMPANIES FOR THE PAST 5 YEARS. I HAVE DONE EVERTHING THEY HAVE ASKED FROM ME. I HAVE SEND COPIES OF ALL THE DOCUMENTATION THEY HAVE REQUESTED IN ORDER TO HAVE MY ACCOUNTS UP TO DATE. I WAS A VICTIM OF XXXX XXXX FOR 20 YRS. AFTER MY XXXX XXXX XXXX AND HAVING MY TRUCK BURNED BY MY ABUSER I FILED FOR DIVORCE. THATS WHEN MY I STARTED GETTING DELINQUENT LETTERS FROM CREDITORS, REQUESTING PAYMENTS. I CALLED AND EXPLAINED TO THEM THAT IT WASNT ME WHO GOT THOSE MONEY LOANS, OR COMMERIAL LOANS, OR STORE CREDITS. I DID POLICE REPORTS AND SEND THEM TO EVERY SINGLE COMPANY AND THEY DENIED ME THE CHANCE TO CLEAR AND CLEAN MY CREDIT SCORE. XXXX SUED ME FOR 7 ACCOUNTS I WON 3 CASES BUT STILL PENDING 4 I KEEP CALLING THEM AND THEY HANG UP OR JUST HAVE ME ON XXXX FOR HOURS. XXXX XXXX  HAS BEEN SENDING TEXT MESSAGES DEMANDING PAYMENT FOR 3 ACCOUNTS I ALSO SEND THEM THE POLICE REPORTS AND IVE HAD NO SUCCES THEY KEEP UPDATING MY CREDIT REPORT AND THEY KEEP CHANGING THE DATES ON THEM " LIKE WHEN ACCOUNT WAS OPENED " THEY DONT MATCH COMPARED TO THE CREDIT REORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IS DOING THE SAME THING REPORTING INFORMSTION THATS NOT CORRECT. AND XXXX HAS MY WRONG DATE OF BIRTH I HAVE REQUESTED THEM TO UPDATE MY INFORMATION AND THEY WANT ME TO SEND A COPY OF MY ID AND SS #, IM AFRAID TO SEND THEM MY INFORMATION DO THAT NO ONE LISTENS TO ME. I HAVE ALSO TOLD THE 3 CREDIT COMPANYS THAT THE INFORMATION THEY HAVE IS AFFECTING ME AND MY FAMILY TREMENDOUSLY. I HAVE NOT BEEN ABLE TO BUY A HOME FOR MY KIDS NORE HAVE I BEEN ABLE TO PURCHACE A VEHICLE SINCE THE LAST ONE WAS BURNED BY MY EXHUSBAND. I HAVE SEND ALL THEM COPIES OF THE POLICE REPORT STATING THAT IM A VICITUM OF IDENTETIY THEFT AND THE PERSON WHO OPENED THOSE ACCOUNTS WAS MY EXHUSBAND AND HIS SISTER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DONT KNOW WHAT ELSE TO SEND THESE COMPANIES TO MAKE THEM UNDERSTAND MY SITUSTION AND HOW IT HAS BEEN AFFECTING US , PLEASE HELP, ANY ADVICE IS WELCOME
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AL)

American Express promised they would provide XXXX Delta skymiles if we applied for a new card and spent {$2000.00} over a 3 month period. We received the new card and spent the money. Now, Amex will not honor their side of the deal and credit the miles to our account. 

We have called Amexs customer service line and spoken to two managers both of whom refused to honor the arrangement.
Consumer complaint received 2022-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (GA)

I went to XXXX XXXX XXXX when I was XXXX. I wasn't really prepared for college nor did I know what major I really wanted to take. I went through the XXXX XXXX  XXXX XXXX and later founds that I was only on that career path out of the hobby and great skill. Not because it was my passion. I dropped from the program during my XXXX class or sometime after. I later heard like maybe 3 to 6 months later that they had been shut down due to fraud with certifications or something. So Later in life still have the loans on me, I sent in papers applying for the loan to be removed to the department of education. I have done this twice and still have yet to hear from anyone. Yet they have consolidated the loan. I need help!
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

Hi I've been receiving bill its already settled with the main company which is XXXX and I do have confirmation email with that debt the collector is Jefferson capital keep asking for the same amount XXXX I did already inform them that this issue being resolved with the main company which is XXXX long time ago and I did email them a confirmation email I got from XXXX for that payment they tell me that they can remove it from my credit report as a debit still I owe because this is still affect my credit score and my credit for any think I want to do even I can not even open a regular chicken bank account because they inquiries I have from small debit collector like those companies still showing my credit report so I did pay that money and they still asking me for it still affect my credit score they are aware that I bet already I refer the email back to them from XXXX but we're not getting nowhere
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights XXXX Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my XXXX Credit Report and a Account Balance has been furnished to my XXXX Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (SC)

I have tried on multiple occasions to have my Escrow account reanalyzed after my property taxes were revised. However, the company has not done the analysis. They were provided the revised taxes but have not taken action. In addition, they do not have any customer service available to speak to. The online help and phone number does not allow you to get the support necessary to fix the issue.