davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This collection agency is attempting to collect a debt for XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.
Consumer complaint received 2020-03-30
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: EQUIFAX, INC. (MO)

These 2 accounts are fraudulent and I'm demanding that they be removed immediately from my credit file. These accounts are not mines nor do i have any knowledge of them.

1. XXXX XXXX XXXX {$540.00} 2. XXXX XXXX XXXX {$68.00}
Consumer complaint received 2020-03-30
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. (MO)

These 2 accounts are fraudulent and I'm demanding that they be removed immediately from my credit file. These accounts are not mines nor do i have any knowledge of them.

1. XXXX XXXX XXXX {$540.00} 2. XXXX XXXX XXXX {$68.00}
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

Up to a few months ago, I had an XXXX credit card with XXXX XXXX for many years. I always paid my XXXX card balance with a XXXX checking account transfer. I was then notified by XXXX that XXXX was transferring its credit card business to Barclays bank. I did not want to open a Barclays bank account so I disregarded notifications to do so. 
I no longer had access to any of my XXXX XXXX credit card statements, nor any credit card history. It was wiped from my XXXX account. 
Because I did not have a Barclays account, I had no access to my XXXX credit card statements at Barclays. 
I received a letter from Barclays bank today stating that I have an account balance of # XXXX which includes a late fee of {$35.00} and that to pay this balance I must open a Barclays account. 
I am being penalized for something I have no control over and never authorized. I am being penalized for not opening a bank account. I am being penalized for a late fee for a statement that I have had no access to.
Consumer complaint received 2021-03-16
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: Synovus Bank (FL)

First progress reported this account closed XX/XX/2018. Yet first progress is reporting payment history on top of that every month As a chargeoff. This is a violation!!! Fcra indicates that information must report with accuracy and this is accurate? My score has been drastically affected
Consumer complaint received 2021-10-19
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: NAVY FEDERAL CREDIT UNION (GA)

My name isXXXX XXXXn, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 168
1i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (KY)

This company is in violation of multiple FDCPA laws. I have sent a validation debt letter also a cease and desist letter to this company. This company is reporting inaccurate information on my credit report and is causing me distress. The information that they are reporting is inaccurate and unverifiable. This company can not report this inaccurate information on my credit file according to 15 USC 1692g As the original creditor, I only can validate this debt. I do not validate this debt. I demand this company to stop reporting inaccurate and unverifiable information/accounts immediately and to cease all forms of communication with me through any and all mediums.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC has reported late payments on this account to my credit report WRONGFULLY, for 8 months in a row when I paid off the balance on the card every month! 
From XX/XX/XXXX till XX/XX/XXXX HSBC BANK reported lates to my credit report erroneously. I have paid off the balance in full every month, have bank statements to prove but HSBC misapplied these payments thus causing lates reported on my credit report .... I have no derogatory credit, ever! This is the only item damaging my credit history and credit worthiness and it is NOT correct. please help resolve this as HSBC is being ignored for a whole year that I wasn't able to reach resolution with them, going in circles from one representative to another with no luck on correcting this mistake of theirs ...
Consumer complaint received 2020-03-30
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. (FL)

XXXX XXXX XXXX they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my husband. We are in the process of closing on a home and because of this our credit score is being affected.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I deposited a contract payroll check on XXXX/XXXX/2016 at a local Bank of America branch. The teller indicated that a hold would be placed on the check since my account was overdrawn due to a bank error that I filed in another CPFB complaint. More on that later. The funds would be available on XXXX/XXXX/2016 after XXXX. according to the teller and the deposit slip I received. The next day I received a call regarding my other CPFB complaint. I returned the call and left a message. Today on XXXX/XXXX/16 the CPFB complaint was resolved and the fees I was assessed for a debit charges that were label 'recurring ' when in reality they were not were reversed. I was happy with that outcome. The bank fixed the error. Subsequently, I went to check on the status of my funds because I was told they would be available today and so did the deposit slip I received. I chatted with an online customer service representative. She indicated that funds would be placed on an extended hold because the payroll check from a XXXX was likely to bounce. I asked what specific information that the bank received to put an extended hold on the check and she told me that it was automated and she could n't do anything about it. Additionally, I asked if I could get the check back and she said because it was in processing that I could not. I asked my employer if the check had a possibility to return and they said that there was no way that the check would bounce. The check is basically coming from a quasi-governmental agency. Additionally, the extended hold will last until XXXX. Bank of America said they only process information during business days. Additionally, the bank will not let any of the funds released because I am in the negative, which as was already stated was their fault and fees were reversed. I talked with XXXX different representatives on the phone and online and the bank could not give me a clear answer as to why suddenly the check was placed on an extended hold. The bank did not notify me of this extended hold. Thankfully, I chatted online and called customer service. I have reason to believe that Bank of America retaliated against me for filing a report with the CPFB by placing an additional hold on payroll funds. Moreover, this caused great harm to my financial situation because I ca n't pay my rent and I ca n't even buy groceries. There should be a mechanism where I can receive the supposedly " bad '' check so that I can cash it at XXXX or another place. Bank of America is basically holding my funds hostage in retaliation for filing a valid complaint against the labeling of XXXX charges as 'recurring ' charges.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Phone stolen. Fraudster access personal information through the phone. This includes screenshots of identification, social security, bank info, email address, contacts, log in email, apps ( online banking with Bank of America, XXXX, XXXX XXXX ) just to name a few. In this case the fraudster XXXX all funds from all accounts with bank of america to a phone number. I immediately notified the bank of the incident and awaited them to process the claim. After 14 days of awaiting and yet no response I decided to give the bank a phone call and was told that they will not refund me my money until I obtain a local police report and a phone stolen report from my carrier. Therefore I am reaching out because I feel they are using this as an excuse because this was never stated since the beginning of the investigation. I was under the impression I was going to see my funds back into my accounts.
Consumer complaint received 2020-03-30
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. (CO)

Equifax credit score dropped 28 points without any negative entries on my current credit report. No increase in debt. No cards paid off. No delinquent payments. Made a one-time payment of {$500.00} on a credit card. 

Both XXXX and XXXX credit scores went up. 

Spoke with customer service at Equifax, they flat out said they don't know why my report went down, " This is strange .... '' to quote the representative. I was not given any suggestions or solutions. I was told to contact CFPB and FTC.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Atlanticus Services Corporation (CA)

On XX/XX/XXXX I was told my XXXX payment was returned so I immediately paid it up. I have never been late besides that payment otherwise just a few days past due dates on some payments, but still not late technically I was notified that once 3 payments were made on time that the credit would be reinstated. After I paid they then said it was closed and too bad so I made that payment for no reason I want them to return my payment and negotiate with me
Consumer complaint received 2021-10-19
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: AMERICAN EXPRESS COMPANY (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020, I received a statement from the bank, dated XX/XX/XXXX-XX/XX/2020. This was surprising, because I have not used this card for a very long time, it has been in my possession but I have not made any charges at all, and the balance has been XXXX for all that time and I have not had any statements mailed out. The statement has two charges of {$3100.00} and {$120.00} which I did not make or recognize. In accordance with procedures, I immediately sent a letter in writing to the bank 's account servicing address stating this - on XX/XX/2020. A copy of the letter is enclosed. As of today, XX/XX/2020 I have no response from the bank.
Consumer complaint received 2022-12-29
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. (TX)

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

Victim of Fraud from XXXX. Paid XX/XX/2020 {$1600.00} for services not rendered/received and BB & T denied my claim for reimbursement. Debit card was used as Credit Card with no pin entered
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I bought my house less than a year ago, since interest rates were low, I wanted to refinance even though it hasn't been a year. I called the same mortgage banker on my bank which is Bank of America, I explained every details to that person which he knew I received my loan from him also he works for the same bank he was able to see my loan amount etc which I already told him all those information.

I told him I am interested to reduce my mortgage to 20 years or 25 years, we agreed on everything and he asked to run my credit I gave permission him to run. After he ran my credit he told me that because of the loan amount is too much, I can not get 20 or 25 years. my credit score came expected ( more than 740 which they were looking for ).

He knew the loan amount, he knew that I am interested with 20 or 25 years, he should be check before ran my credit. He asked my permission yes, but he gave me wrong information to run my credit ...

I contacted with his manager to solve the issue couple of times and send couple of emails, last time he told me that, I gave permission to run my credit this is all that matters, they don't have a way to remove that hard inquiry.

Mortgage rates are still getting lower, I would like to refinance maybe with different lender, however now my credit score will low just because of that unnecessary inquiry ...
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my husband. We are in the process of closing on a home and because of this our credit score is being affected.
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I didn't get a chance to reply to the other complaint because it was closed out by cfpb whenever the company respond but I'm responding one last time I have filed numerous complaints against XXXX XXXX XXXX and CLEARLY we are not on the same page I am not talking about a refund about a warranty because I have already received that {$60.00} dollar check I AM TALKING ABOUT MY CREDIT REPORT AND MY CREDIT SCORE IT WAS NOTED AS CLOSED PAID ON SOME CREDIT BUREAUS AND CLOSED. WHY IS THAT I DONT KNOW WHY.. MY CREDIT SCORE DIDN'T GO UP BESIDES DROPPED I DONT KNOW BUT WHAT I DO KNOW I HAVE CONTACTED THE VICE PRESIDENT AND PRESIDENT AND LET THEM KNOW OF THE SITUATION AND WHAT I DO KNOW I WILL SEEK LEGAL ACTION IF THIS PROBLEM IS NOT FIXED. I KNOW IF ANYYYY ACCOUNT IS PAID IN FULL YOUR CREDIT SCORE WILL REFLECT WITHIN 30 DAYS IT HAS NOW BEEN 90 AND NO ADJUSTMENT SO WHAT I WILL TELL YOU IS I HAVE CONTACTED A LAWYER AND IT WILL NOT BE NO MORE COMPLAINTS FILED AGAINST XXXX OR THE OTHER CREDIT BUREAUS THE ONLY THING YOU WILL RECEIVE IS A LETTER SEEKING LEGAL ACTION IF THIS ISSUE IS NOT FIXED. You'll HAVE LIED ABOUT FIXING THIS ISSUE numerous times and by the way all of the consumers are having issues with XXXX I think it's time for a lawsuit AND IM DONE. NO MORE TALKING JUST ACTION.
Consumer complaint received 2021-10-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-04-10
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. (UT)

In XX/XX/XXXX I leased a vehicle from XXXX XXXX XXXX. When I first got the vehicle I informed XXXX XXXX  that was an issue with the front of the vehicle and that it was missing a side panel of the vehicle. I called them various times about it. They said o call your insurance they should be able to fix it if you think that its a big issue. I let it be as they obviously didn't think it was a big issue. The lease was for 2 years. I went on with the lease on XX/XX/XXXXsomething of XXXX we took the lease back to the place they told us to. We left the car and the keys. The people there even tried to get us into a new lease. They said we were good to go and sent us off on our way. I had seen that they were on my credit report so I tried to call them and even email them, they should have all them logged in their system since they ask me for my personal information every time. Every time that I contacted them they keep giving me the run around. That they would email me, and then the email was a copy of the loan agreement, and to call them, and the cycle continued. Last I heard was that " it takes time to be off the credit report ''. 

On XX/XX/XXXX I received a letter from a lawyer asking us to pay off the lease. Nothing was given to us from the day that we left the vehicle until today. There was an accident XX/XX/XXXX which the insurance covered and the vehicle was returned like before. The vehicle was returned to them the same way that it was given to us with miles driven. Note we didn't have a mileage amount listed on the contract that we needed to keep the vehicle under. As the contract said that we would be charged when we returned the vehicle and we were not, we left. Again we were even told we could use that amount for a down payment on a loan for a different vehicle. 

I sent an email to the lawyer on XX/XX/XXXX, Please see attached. I also called him and left him a voice mail. 

I did not hear back On XX/XX/XXXX I sent a second email and I called as well. This time he answered and he said that the way this works is that he will get the information from his client and then I have 10 days to call him back or he will take me to court. He said that I could also call him and pay it. He asked me why I didn't think I should pay it. I told him that the vehicle was returned and when returned no issues were informed, and I never heard from anyone until I got his letter. He said that he would send me the clause of the contract and what ever other fees his client incurred. 

I did not get anything back, and the information is showing as non payment for over 100 days