davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2020-03-06
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. (GA)

I when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (WV)

I contacted Capital One to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One Capital One credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

XXXX is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was trying to secure a home loan. I was told by the lender to transfer a {$7000.00} deposit into their account. I transferred the money from my Bank of America account to their Bank of America Account on XX/XX/19. Later I found out that the lender was a scam and never returned my money. I tried to file a claim in court but all the address I had got sent back. I've gone to the Bank of america 3 times and spent hours on the phone with their fraud department. I have been told there is nothing they can do. I am requesting help to get my money back, freeze the account that I sent the money to and to provide information about the recipient or account holder so I can continue my pursuit in court. I have also filed complaints in 2 different police department and have heard nothing in response.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

XXXX is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.
Consumer complaint received 2021-08-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings (TX)

A week ago or so I received an email from a debt collection office saying that they were contacted by Speedy Cash for an unpaid loan. I do have an unpaid load through Speedy cash so I thought it was legit. The attorney, XXXX XXXX, told me I just make payment arrangements or I'll be taken to court. I wanted to to settle this I told him that I would make the {$100.00} down payment but I didn't when he wanted me to send it through XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

I have a credit card from DISCOVER BANK account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called DISCOVER BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and DISCOVER BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-06-09
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. (CA)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified item listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2023-02-05
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. (PA)

My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX XXXX  Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX Reporting on my consumer report ; I do not own this account and it must be removed immediately.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

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
Consumer complaint received 2023-02-05
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)

In accordance with the " Fair Credit Reporting Act '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

15 U.S. CODE 1681 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (OK)

Called in on XX/XX/2020 to Avant Credit Card customer service asking to get my pay off balance. I was informed the pay off was XXXX ( which was the same balance on my phone app ). I hung up went on the app and paid my balance in full. Then on XXXX I was checking to make sure my payment ( that had already cleared my bank ) was posted and that my availability was back to to credit limit. Upon signing in there was a payment of XXXX  on my account and the payment was still not reflected. I called and spoke to customer service and they could not explain things so I asked for a supervisor. A supervisor named XXXX? Called me and stated that my payment posted on XX/XX/XXXX but, interest was generated on XX/XX/XXXX. I explained that because I paid it off there was no balance to charge interest on. I also asked why the balance was not reflecting my payment even tho its cleared the bank and she can see it was received. She said they hold it 10-15 days to make sure its cleared. I told her that is not right and I do not feel Im responsible because I think they are drawing this out for the companys benefit. I asked for someone above her and she told me there was no one above her. I said so youre the top person at Avant? She said no just of this department. I asked who else I could talk to ... she said you want to escalate this and I said yes. She then typed an email and told me it would be 15 days before I could hear from them. I told her that in the mean time I would be filing a complaint with consumer finance ... the response I received was ok Any questions please call XXXX
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

My mortgage/escrow holder refuses to change the payment date to my Home Owners Insurance policy. It is due XX/XX/XXXX, but payment is always late, paid XX/XX/XXXX this year for example. That's the mailing date- the payment may take another 3-5 business days to post. 
Several emails ( unanswered ) and phone calls have not resolved the issue. They say their system can not process the payment earlier.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The persistent inclusion of this fraudulent accounts on my credit report is utterly unacceptable. It has inflicted substantial harm on my financial standing, making it exceedingly challenging to obtain credit, secure reasonable interest rates, and advance toward my financial objectives. Despite my persistent efforts to resolve this matter, these fraudulent accounts persistently undermine my creditworthiness and financial stability. It is incomprehensible that your agency has not taken prompt and decisive action to address this issue. Your agency 's failure to effectively address this matter not only violates the Fair Credit Reporting Act but also demonstrates a blatant disregard for consumer rights and well-being. 

XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX. 

Failure to take action will compel me to explore all available legal options to safeguard my rights and financial interests. This situation has caused me considerable distress, and I demand a swift resolution to bring an end to this egregious ordeal.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WV)

Navient is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.
Consumer complaint received 2023-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

Stop harassing me. This is emotional abuse. You have been harassing me for close to 10 years, this is sad and pathetic. You think that because you think your a lawyer that it is okay. Please this is sad that you feel you can push people around especially single mother attempting to provide for her family.
Consumer complaint received 2020-03-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX my late mother took out a {$500.00} CD from XXXX XXXX XXXX XXXX XXXX, who merged with Bank of America XX/XX/XXXX. About a year ago I uncovered the CD, which was never cashed, and all relevant documents. When I reached out to BOA, their response was we can't find the account or the funds. I have been in constant contact with BOA for some type of resolution. I mentioned my situation with one of my Federal Civilian customers and they stated what BOA is doing is guilty of mismanagement of funds for the following reasons : 1 ) Funds can not be withheld if the CD has matured, 2 ) And/Or on the CD have right to the funds, and 3 ) It is illegal for BOA to hold the funds. I am constantly in contact with all of the relevant Federal agencies ( OCC, FDIC & CFPB ) & I keep running into a brick wall. Because BOA is the largest bank in the nation, it seems they are being sheltered for their illegal practices. I understand my the amount I'm looking to recoup is small in comparison with some of their larger customers, but I feel I deserve to receive what belongs to me. If necessary, I can provide the original documents via email.
Consumer complaint received 2023-02-05
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Updating Personal info Certified Mail Receipt # XXXX Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following inaccurate addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate XXXX XXXX : XXXXXXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX  By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX XXXX XXXX XXXX XXXX  ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2018-11-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My son opened a saving/checking account on XXXX, 2018. On XXXX, 2018 I received a statement saying that my sons account was adjusted by - {$220.00}. There was no explanation. I called the bank and they said they would look into the situation and write me a detailed account of why the amount was changed. On XXXX, 2018 I received a letter saying that my dispute inquiry was researched and they have determined that the adjustment was correct. 
I counted the money at the bank with banker two times. We came up with the same amount together. We then waited in line for the teller, and she also came up with the same amount. I have the recept which states the amount that I have deposited. Bank Of America will still not provide me with the information that I have requested.
Consumer complaint received 2020-03-06
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: CITIBANK, N.A. (PA)

I receive promotional offers for an XXXX XXXX credit card regularly. In XX/XX/2019, I applied for a credit card with a promotional offer of {$200.00} statement credit and XXXX airline miles after spending a specific amount. I have inquired about never receiving the airline miles, but was advised that I have another account and was not eligible for the promotion. I continue to receive the same offer and no where does it say if you already have a card you are not eligible for the promotion within so many months. To me this is a misleading and deceptive practice. Why would I or anyone else for that matter want to pay two annual fees to earn miles, if we are not eligible for the promotional offer.