davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BETHPAGE FEDERAL CREDIT UNION (IL)

BethPage NY ( see attached ) complaint regarding providing a complete loan checklist, additions to home insurance policies, documents, rates and closing costs that are transparent. Applied for a HELOC and was sent a checklist that did not cover critical areas to obtain loan. Was initially sent a pre approval that is misleading ( see attached ). Requested documents required at the last moment. Pressured under deadlines to obtain or else the application would be canceled. Repeated attempts to produce requested documents resulted in homeowner insurance being increased, a discriminatory assessment of property ( by appraiser on their payroll ) not in line with existing properties in my area, even after submitting similar properties for a review and quickly denied. Subsequently canceled my loan request due to continuing poor management of the process. Bethpage could do better.
Consumer complaint received 2023-02-23
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. (FL)

I have sent several letters to Experian in last 12 months but they refused to address and resolve the problem. I sent another notice on XX/XX/2023 that also went unsolved. Experian is in clear violation of USC 1681b and 1681 ( 2 ) ( a ) ( i ).
Consumer complaint received 2022-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I AM A VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (OK)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; A XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (VA)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following Inquiries need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Inquiries : XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2019-11-23
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. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXXXXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE
Consumer complaint received 2022-06-01
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. (VA)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following Inquiries need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

After months and several attempts of trying to get the credit bureau to verify the information being reported on my credit profile, they have not cooperated. I've reached out to them several times to try and resolve this matter but they continue to blatantly break the laws set in place to protect the consumer. They refuse to supply me with a report detailing their methods and procedures used during their investigation. They have not produced any evidence that the information is accurate what so ever, yet they continue to violate my rights and report inaccurate information that negatively affects me.
Consumer complaint received 2022-09-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

In previous complaints JP chase Morgan admitted to discrimination and adversary actions against my person in regards to obtaining a mortgage. I have attempted to make this right time and time again. This is the third and final complaint that will be needed to be submitted before a legal process can be done according to procedure so I am submitting this again. I am requesting my application for a mortgage in the amount of {$370000.00} be accepted. If it can not be accepted I need the LAW quoted, both the private and public on why JP Morgan chase thinks they have the RIGHT TO DENY me a LINE OF CREDIT in response to my APPLICATION. I would actually like to increase the loan amount to {$700000.00} because I would like to purchase a XXXX XXXX under a FHA XXXX or FHA loan in which I duly qualified for and still qualify for. Due to the discrimination and adverse actions, JP MORGAN CHASE has directly caused my family and I harm as my offspring and I are located in a high crime area due to these denials and they had to hear my neighbors car as it was shot continuously for over 15 minutes. My offspring are under the age of XXXX. They have admitted time and time again that they discriminated against me in many ways including : income, age, race, employment, by in good faith exercising my inalienable rights and right to credit, and many other internal factors in which do not equate to the Federal law.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (MO)

Commentity Bank has harassed my family and myself with multiple calls per day. They gave called my sister, my mother and my aunt with the most recent being XX/XX/19. NONE of the people are listed as contacts on my account with them. They illegally contact them and share private financial information that I never allowed to be discussed.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I disputed the account below with TransUnion and it was verified. 
XXXX XXXX I requested a reinvestigation. On XXXX, the TransUnion results stated, " New Information ''. 
There was no " new information ''. I have included a copy of the reporting account from XXXX 2016, and the " reinvestigation '' results from XXXX 2016, and the account is reporting the same information. 
On XXXX XXXX, 2016, I requested from TransUnion the method of investigation, since clearly there was no new information. This request was received by TransUnion on XXXX XXXX, 2016. 
As of XX/XX/2016, I have had no response from TransUnion. As per the FCRA, the 15 days has expired. 
On XX/XX/2016, I sent a letter to TransUnion stating the time limit has expired and the account must be deleted from my credit report. TransUnion did not reply and the account is still reporting. 
Since TransUnion obviously did not contact XXXX XXXX and can not give me any information on this account, or even prove it is mine, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I believed some of the information on my credit report are incorrect and should be removed immediately in 2009 I was rear-ended by another vehicle by no fault of my own immediately following the accident, I was removed to the hospital and received medical care and released. Afterward, I also received medical follow-ups with different doctor 's and received XXXX, up to this day after checking my credit report I noticed I still have collection notices on my credit report for the XXXX I received after the accident, in-spite of the fact I had hired an attorney to represent me and who close the case and assured me all the medical bills had been paid. For some unknown reason, those collection notices are still on my credit report and are causing a lot of XXXX moments the medical problems which I am currently suffering.
Consumer complaint received 2019-12-24
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. THOSE ACCOUNTS HAS CAUSED SO MUCH DAMAGE TO MY NAME WHICH HAVE CAUSED DENIAL OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED. KEEP IN MIND THAT I AM NOT LIABLE TO ANY OF THE DISPUTED ACCOUNTS.
Consumer complaint received 2019-09-12
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. (TX)

Equifax caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report Equifax has not let me get into my accounts
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Ive been receiving multiple calls every single day for months regarding my account and the debt I owe. I understand what I owe and have contacted the company before about my issues. Im extremely tired of getting these calls and having to block multiple numbers from different people harassing me about my debt.
Consumer complaint received 2021-02-19
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: Experian Information Solutions Inc. (FL)

My Experian XXXX score on XX/XX/XXXX is XXXX. In XX/XX/XXXX my Experian XXXX  score was XXXX. My score dropped nearly 30 points with no valid reason as all payments in this 5 month period have been on time, I have not applied for any additional credit lines and I have paid all credit card balances to XXXX each month. My XXXX credit score on XX/XX/XXXX is XXXX. My XXXX  credit score on XX/XX/XXXX is XXXX. I contacted Experian via telephone and they were unable to explain why my credit score with them is 70 and 68 points lower than those of XXXX and XXXX, respectively. Their dispute specialist told me that there may be different companies reporting to Experian than the other two credit bureaus and that could affect my score. The only different company reported on the Experian report is 4 closed accounts with XXXX, XXXX, all closed and with an Exceptional payment rating as all payments were made on-time. I also have 2 utility companies on the Experian report through Experian XXXX, both with an Exceptional payment history. These factors would seem to warrant my credit score with Experian to be higher than that of either XXXX or XXXX, but that is definitely not the case. I could understand a 5 or even 10 point disparity between the credit scores from the different bureaus, but 70 points is ridiculous. Everytime I log into the Experian website, the first screen that appears is to upgrade to a Premium membership. I would gladly pay the fee for the premium membership, if that is what it takes for them to accurately report my credit score.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

A deposit was made into my checking account on Wednesday, XX/XX/XXXX using the XXXX pay app and I received an email & text from the bank informing me of this deposit. 

The deposit was in my account Wednesday XX/XX/XXXX & Thursday XX/XX/XXXX. But all of the sudden, Friday XX/XX/XXXX morning my deposit had disappeared and they have no record of it. Ive been having a lot of problems with this bank not posting things correctly. I went down to the XXXX Bank of the West branch and spoke to XXXX and showed him my proof of deposit. Ive also spoken to XXXX, XXXX & XXXX from the Bank of the West dispute department, and I was told deposit it would be there on Saturday or Monday. 

On Monday, XX/XX/XXXX, money was not there and again I went down to XXXX branch and was told that it is still being researched and No date was given to when it would be available. I called again today Tuesday XXXX and was told there is no resolution as if yet. This is situation has been extremely stressful & frustrating. 

If you can help me get my deposit of {$70.00} back, I would really appreciate it after that point I will be closing out my account and not dealing with this bank any longer.
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America in order to ask if requesting a credit line will trigger a hard or a soft credit inquiry, since I have read an article online that Bank of America switched from requiring hard checks to just perform a soft check. The person than answered, XXXX, put me on hold for a minute to check since she was not sure what kind of check it is performed. She came back on the line and since a check is gon na be performed, to which I specifically asked is it a hard or soft check, she stayed silent for a second or two and replied it is gon na be a hard check. Her response did not sound very convincing from what I read on the article. Then she asked me if I wanted to proceed with the credit line increase to which I declined since I do not believe it is necessary for Bank of America to perform a hard check since they have more than enough information about myself being a customer for many years, having perfect payment history and plus since they perform soft checks on my credit report periodically. She then went on to say that it is the policy and that other banks do the same. I replied that it might be their policy but it is absolutely not true other bank need to perform hard checks for line increases. I have requested multiple increases from other banks and they were all granted without the need for a hard check. She then said ok have a nice day in condescending tone of voice. After that I requested to speak with a supervisor, she claimed the supervisor was not available and if I wanted to leave a voicemail. It is really surprising that such a big corporation like bank of america does not have supervisors available during the day.
Consumer complaint received 2024-03-14
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. (AL)

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 XXXX Account Number : XXXX and 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 2023-02-23
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. (FL)

I reviewed a copy of my credit report and I've noticed that XXXX XXXX  XXXX XXXX XXXX XXXX place a closed account on my credit report. This closed account streamed from a fraudulent balance of {$210.00} in which I paid for to keep my account in good standing with the bank. Despite paying the balance. The bank closed my account after paying for a fraudulent transaction that I did not participate in or took part in. I am requesting that you remove this closed account off my credit report. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provision of 612 15 USC 1681j, there should be no charges for this report. This closed account shows on my Experian and XXXX. It was removed from my Equifax.If, after any reinvestigation under paragraph of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-12-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MD)

This is regarding Navient. I have repaid all student loans as of XX/XX/2019. There is a XXXX  balance, yet Navient still lists the loans as being in repayment. I have called and emailed numerous times for written confirmation that my loans are repaid in full, to update the status as being repaid, and to close the account. They have not done so, nor have they reached out to me with any information.