davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

i HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2019 my Bank of America account was compromised by someone of the name XXXX XXXX. This person fraudulently used my account to transfer funds to his XXXX account. I disputed this information multiple times but they verify as accurate. As a result I cant open any checking accounts with most banks because of suspected fraud notes in my XXXX and XXXX. I have the bank statements that prove XXXX XXXX used my account fraudulently. Please have XXXX and XXXX delete this information from my account. 

Thank you
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-12-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (TX)

On XX/XX/19 I got an alert that Deville collections had added a collection account on my XXXX  credit report with the original creditor of XXXX Deville did not properly notify me via mail before placing this account on my credit report this not giving me the right to dispute. Plus the account with the original creditor XXXX is more then 7 years old. Please dispute all credit reporting agencies
Consumer complaint received 2021-12-30
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me .Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

After I mentioned that I was suffering from a XXXX XXXXXXXX and was going to have to leave my job and start my own business, the company immediately after blocked me from using my card and decreased my credit limit by {$1700.00} all in the same week. This happened the same week I made a payment of nearly {$3000.00}. The moment after I disclosed my XXXX XXXXXXXX I began to experience retaliation, even after paying almost half of what I owed on the card. I called in today and they said I need to pay over {$900.00} more in addition to the almost {$3000.00} I paid this week, so they can give me my credit limit back. And the credit limit was {$5700.00}. Meaning, they want me to pay over {$4500.00} out of {$5700.00} so I can keep my credit limit of {$5700.00} after I disclosed that I am suffering from a XXXX XXXXXXXX. This is not ok.
Consumer complaint received 2021-12-30
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. (TX)

I would like to state that as of recently I've been taken advantage of in the form of malpractice, while simultaneously several laws being broken under the FCRA by your company. This has caused me financial injury, defamation of character, inability to qualify for home mortgage, and just has overall damaged my ability to obtain credit. These wrongdoings have caused me great mental anguish at no fault to my own.
Consumer complaint received 2021-12-30
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me .Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-12-13
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. (CA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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. (KY)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-30
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. (KY)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

CLAIM XXXX In XXXX, I ( XXXX XXXX ) purchase a new roof from XXXX XXXX. They warrantied the roof for 20 years and exited the roofing business in XXXX. The roof had been leaking since their contractor completed the work. Every few months, XXXX XXXX had to send a subcontractor to fix a leak or skylight. 
In XX/XX/XXXX, I reported a new leak which was assessed by XXXX XXXX subcontractor . Then I discovered a new leak in a closet and a bathroom. These were later assessed and XXXX agreed to pay only {$2200.00}. They had me find my own contractor to twist his arms to accept the cost. I paid the contractor the money XXXX agreed to pay. Now they want me to sign a release saying that I agree to hold them harmless for anything that may be wrong with the roof in the future. I have filed a complained with XXXX XXXX, had many conversations with XXXX and talked with a Supervisor named XXXX, but with no success. They want me to sign this release : I, XXXX XXXX, in consideration of the sum of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( XXXX ), the receipt and sufficiency which is hereby acknowledged, paid to me in satisfaction of all claims that I may have against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX their successors, assigns, subsidiaries, affiliates, shareholders, officers, directors, employees, representatives, subcontractors, attorneys, agents, sureties, bonding companies, and any insurance companies providing liability coverage to any of the parties released hereby ( hereinafter the " Releases '' ), do hereby remise, release, and forever discharge the releasees of and from all claims, demands, actions, causes, of action, obligations, injuries, losses, cost of expenses... 
These are just the beginning of this one-sided release/contract. I do not feel confident in signing this release and made it known to XXXX XXXX XXXX XXXX, which referred me back to the very contractorXXXX I complained about. I spoke with XXXX XXXX Supervisor who said that they can not do anything as XXXX XXXX legal has to look at it. They told me XXXX XXXX would contact me on a specific date ( XX/XX/XXXX ) and I received no such call. I called XXXX XXXX XXXX back on XX/XX/XXXX and they were referring me back to Subcontractor XXXX. 
I am requesting that you please look into how this company is using its power to limit the rights it originally provide to this customer.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX AMOUNT OWED IS {$720.00} COLLECTIONS ACCOUNT DOES NOT BELONG TO ME, AND I DO NOT KNOW WHAT ADDRESS IS ASSOCIATED WITH THIS ACCOUNT FURTHERMORE, I HAVE REACHED OUT TO THE ORIGINAL CREDITOR AND COLLECTIONS AGENCY TO VALIDATE THE DEBT WITH DOCUMENTATION TO SUPPORT THEIR CLAIMS OR TO SEND OUT A FRAUD AFFIDAVIT AND HAVE YET TO RECEIVE ANYTHING IN WRITING.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (MI)

Made purchases based on no interest promotion. Paid regualrly. Made additional purchase based on no interest promotion. Believed long period of no interest based on promotion expiration of 2018. Paid regularly. One promotional period expired and the payments we believed to go toward first purchase pay-off, went to both purchases so balance left on first promo and ridiculous back amount and continual amount of interest has accrued -- {$500.00} on initial {$1500.00} purchase. In the midst of pay-ff to GE Capital, account changed to Synchrony Bank w/o our consent. This helped to mask the confusion! Is it a common trick? Please help!
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a Bank of America credit card since XXXX of XXXX and have made full payments of my account on time. I do this with all of my cards because I have set all of my cards on autopay and never had an issue. For some reason, the autopay on my BOFA account got canceled so I missed more than 60 days of payments for a small amount that was originally around {$25.00}. This is less than XXXX XXXX of the total credit limit on that account alone. There was no email confirmation of this and I had no follow up correspondence letting me know that this happened. The only way I found out was when another credit card company I have emailed me saying I had a delinquent report on my credit account. 

I contacted in on XX/XX/XXXX and the representatives were unable to help me with my issue. I even scheduled to pay the full amount that day and received no confirmation email of that either. 

There are other documented cases of this happening : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (GA)

Received mutiple from company stating the debt was removed or deleted XXXX and XXXX. Every few months they post the inaccurate debt back on my credit report or report it back to the credit bureaus. 

It's continuously reporting negative and inaccurate data which prevents me from attaining approvals and new credits
Consumer complaint received 2021-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have reached out to this company multiple times regarding a account opened up in my name fraudulently, I have spoken with 2 supervisors who said that they would open up an investigation but never provided me with any information and when I called to check up on the investigation I was told that they couldnt find it. The last time I called in an spoke to a representative regarding this matter was XX/XX/2021. Nothing has been done to help me on this companys side, they are feeding me false information.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (CA)

1. ) I tried to open up a checking account. 
Relevant : I would like an account where I do not have to keep a minimum of {$1500.00} in the account just to avoid fees. 
2. ) My application was rejected. 
3. ) The reason was unstated, but it is presumably because I use a USPO Box for my address, and I live in my vehicle. Mail is undeliverable within a Vehicle. 
4. ) I've had the exact same mailing address for many years, the same phone number for over two decades. Even when I resided in a nearby apartment building I used a PO Box because in CA rents can double overnight ; housing is very scare. People move a lot. 
5. ) This address is accepted by Social Security, XXXX, my long-term credit cards, my car insurance, Registrar of Voters, three credit reporting agencies - with 40+ years of records available - XXXX  , my paid cell phone company, all contracts ect. 
6. ) I have a very good credit rating - XXXX with XXXX. - and have never been late on a bill. I pay off all of my balances each month. 
7. ) Therefore I should not be denied the opportunity to open a checking account.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX
Consumer complaint received 2019-12-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TD BANK US HOLDING COMPANY (CO)

I make my truck loan payments on the XXXX or earlier every month in XX/XX/2019 I logged into TD Auto Finance website as they encourage you to do and made a larger payment then my required payment. The web site accepted the payment but did not give me a confirmation number. I made a note of this and the next payment in XXXX I logged in and there was no notice of missed payment or notice of a balance due just the standard payment amount. Once again I made a larger payment. Each successive month I over paid my monthly amount in XXXX I happened to open their paper statement and it showed the had received the larger payment in XXXX but said I had a balance due and had late charges. Calling them I found out that their system had not processed the XXXX payment and when I asked why there was no indication of the non processed payment on the website I was informed the website wont show that it only takes payments. None of their information indicates that in fact they push you to the website to manage your account. So instead of being ahead on my loan I was behind. I pay all of my bills online and manage all of my accounts and all of them provide me clear notices if there is any type of issue. TD should have to clearly state that the website is not an account management tool but just a payment gateway which they do not.