davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX Credit Report confirms BANK OF AMERICA Account STATUS OPEN opened XX/XX/2004 Limit {$6.00}, XXXX  XXXX  Bal. THIS APPEARS AS AVAILABLE CREDIT PREVENTING MORE CREDIT. * Also Credit Report confirms NO PAYMENT HISTORY HAS BEEN REPORTED BY THIS CREDITOR. I believe THIS FIX WILL INCREASE MY CREDIT SCORE when accurately reported by Bank of America. I HAVE EXCELLENT CREDIT THEY DO NOT REPORT? I request this status be closed AND I request my good credit BE REPORTED TO ALL 3 CREDIT REPORTING COMPANIES.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (CA)

I called Experian, and after receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last request and hoping that these accounts listed below lates will be removed and updated in my file. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX : {$9300.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1100.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$3000.00} XXXX DEPT OF EDUCATION/XXXX XXXX Balance : {$1900.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$5900.00} ; DEPT OF EDUCATION/XXXX XXXX Balance : {$5800.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$3900.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance XXXX {$350.00}
Consumer complaint received 2022-12-19
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-12-19
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. (RI)

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 XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( wont disclose acct number ) 15 U.S.C 1681 section 602 A states i have right to privacy 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-04-15
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. (CA)

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES I AM A VICTIM OF IDENITY THEFT BLOCK AND REMOVE THESE FRAUDLENT INQUIRIES XXXX  XX/XX/2022 XXXX FRAUDULENT HARD INQUIRIES XXXX XXXX XX/XX/2022 EQUIFAX FRAUDLENT INQUIRY
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NM)

No positive payment history reported from repayment of SBA loan XXXX loan 19 month auto pay 1 week early. previous auto loan payment history from XXXX multiple satisfied obligations. Improper use of reports not fair and equitable additional payment history incorrect no payments ever late or United States of America failing to fulfill obligations and direct any outstanding obligations past future present as all debts public and private are responsibility of The United States of America department of the treasury so must be a accounting mistake because the United States of America always pays its debts. I am just a beneficiary of a sound mind. Trustee failing to perform fiduciary duty.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (OH)

I spoke with XXXX who attempted to collect a debt owed, he said on a recorded line that I owed an amount plus interest and fees and he would be able to settle for less ... from my knowledge and written proof as well as verbal confirmation from a supervisor .. only XXXX amount is subject to collect, XXXX XXXX made it seem as if he was giving me a deal by asking for less .. which is false information tactics in order to collect a debt I would like the collection agency to stop and the original debt to be removed from my credit reporting agencys at once.
Consumer complaint received 2023-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I opened a loan agreement with Credit Acceptance on XX/XX/XXXX. After the first few months I was not able to make payments on the vehicle. I reached out to the co-signer and asked him if he wanted to take over the vehicle. He stated to me that he was not able to make the payments on the vehicle and didnt want to take it over. I struggled with the payments and the upkeep of the vehicle due to Covid. On XX/XX/XXXX the vehicle was involved in a accident. The vehicle was taken to XXXX XXXX in XXXX Michigan on XX/XX/XXXX. I took the vehicle there because of a recommendation. The insurance policy on the vehicle had lapsed and so there was no coverage at the time of the accident. I did a voluntary repossession of the vehicle with Credit Acceptance on or sometime after XX/XX/XXXX. I called Credit Acceptance in XXXX to see if they had retrieved the vehicle and I was told that it was still at XXXX XXXX in XXXX Michigan. At that time I was told that the vehicle would be picked up by the Redemption Department within 7 days. I received a letter from Credit Acceptance dated XX/XX/XXXX stating that the vehicle had been repossessed. The following week I received another letter from Credit Acceptance dated XX/XX/XXXX stating that the vehicle would be sold at private sale sometime after XX/XX/XXXX. I recently started receiving calls from Credit Acceptance stating that there was a balance on the vehicle of {$8500.00}. I informed the representative of the letters I received and she said that the co-signer had possession of the vehicle. I called back after speaking with the co-signer and getting confirmation that he didnt have possession of the vehicle and didnt make any payments on the vehicle. I called Credit Acceptance back today and I was told by another representative that the vehicle was still at XXXX XXXX and that Credit Acceptance would retrieve the vehicle within 7-10 days and be back in contact with me. Today XX/XX/XXXX I tried calling XXXX XXXX from my phone and was told that the number was no longer in service. However, I called from a different phone and the call was answered promptly. After holding on the line I was told by someone name XXXX that the vehicle was still at XXXX XXXX. The vehicle has been in repossession for 7 months now and Credit Acceptance has not been in contact with me XX/XX/XXXX which was a written notice to sell property. However, now they are calling about a balance stating that the co-signer has the vehicle in his possession whoever XXXX XXXX confirmed that the vehicle is on there property.
Consumer complaint received 2023-10-17
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. (MI)

XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX  XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (AZ)

THESE INQUIRES ARE FRAUDULENTLY WITHOUT MY AUTHORIZATION AND NEED TO BE REMOVED IMMEDIATELY. THESE ARE NOT OPEN ACCOUNTS AND DID NOT HAVE MY AUTHORIZATION. 

XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian
Consumer complaint received 2020-02-17
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 — Was not notified of investigation status or results
Company: U.S. BANCORP (TX)

I have printed my credit report. and noticed debt from US Bank being reported in my credit I requested. documentation bearing my signature that I have signed agreeing to this debt to pay US bank. 
Gave them written 30 days to respond to me, 30 days passed they failed to report the item in my. credit report " Disputed '' status. 
I kept record of all communication with US bank. 'US bank failed the Law by not reporting the account disputed status within 30 days of contacting us bank.
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was being considered for a home retention option and received a letter of acknowledgement from Shellpoint that all required documentation has been received as of XX/XX/2022 and was given foreclosure protection. I have attached all letter received attesting to this. I was notified today verbally that my request was denied due to a negative XXXX Test and that the foreclosure protection was removed and that they would not be providing a letter of denial as to the specific reason and that I am not afforded a right to appeal their decision should any information be incorrect due to proximity of the foreclosure sale date. I strongly believe that my rights are being compromised as under the XXXX Law I'm afforded to the right to review the denial reason and " Right to Appeal ''. I have spoken with several representatives with Shellpoint and they are refusing to provide a letter of decision and the right to appeal.
Consumer complaint received 2022-06-01
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2020-02-17
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. (CA)

I had an account with XXXX XXXX XXXX and finance for an auto loan. I paid the account off for the remaining balance of {$1900.00} on XX/XX/2019. I recently had my credit pulled for a home loan and it shows on my credit report that I was 30 days late. I called XXXX XXXX to have the derogatory mark taken off my credit report and I was told that they don't handle disputes this way that I needed to write a letter a mail it in. I mentioned to them that I am in the process of getting a home loan and did not have the time to wait that long. They still refused to help me.
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (WI)

I have been a customer of TCF Bank for over 20 years since their operation as XXXX in my area. Since on line banking was introduced, I have been irritated by the 'order of posting ' the bank uses. I admit I do have issues with a balance and finances are not my strong point, but I count on what I see on my view of my statement that TCF Bank 's website provides customers to see my balance and know if I can spend anything, and yes I know there might be checks that have not come thru yet. My concern is the view I, as the customer, see as far as order of posting and the guidelines the bank/bank employees get to see for the same transactions. I have learned they are two different programs and items are shown posted differently on both programs. I have read the terms and how things are posted, which seems to be the view the bank employees see and from my research does not seem to follow a set rule system in some postings. I am concerned they are not following their rules when posting items and sending transactions thru to processed status. I run a very tight account as I am not rich and often when i know what my balance is I do another transaction knowing I will have the money and somehow the order of processing changes from their end ( from what I have already seen on my view of the account condition ) and then they end up returning an item and charging their fee ( of {$37.00} per transaction that goes wrong ) or an item that goes over balance all of a sudden according to their view and then they pay the item but still charge the fee ( {$37.00} ). I have several times printed my current screen of postings that they show me, only to come back later in the day to see a different order of postings. I have asked various tellers ( at different branches ) numerous times to explain to me why i see one thing and it looks a certain way ( ok and balanced ) and why they see another view. Some of them have gotten so confused over what is going on that I get a half baked answer once they think they figured out what happened. I understand running my account so tight and forgetting about a check that has n't cleared has XXXX up my account a few times, but not to the extent that their view of book keeping has affected my finances. This has been going on longer than customer access to a daily balance statement online, and seriously I could pay off numerous other bills with the money that has been charged by these nefarious posting 'rules ' that seem to favor the bank 's account more often than the customer 's account balance. I have even written the TCF Bank head quarters ( email ) twice and have received no promise to look into anything nor a satisfactory explanation other than suggesting I reread the posting guidelines and/or keep more money in my account. I have also written a ( now forgotten ) national elected official in charge of finance stuff and received no answer. I am constantly irritated by the seemingly sneaky non-transparent practices that TCF Bank uses to maintain balances.
Consumer complaint received 2022-06-01
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. (IA)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  account # XXXX has violated my rights. 

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.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

EXPERIAN CURRENTLY REPORTS XXXX XXXX STUDENT LOAN TRADELINE/ACCOUNT XXXX XXXX EXPRESSLY DENIES [ LETTER PDF ATTACHED ] REPORTED TO ANY CONSUMER REPORTING AGENCY. XXXX XXXX, former prepayment student loan servicer, held my ( {$10000.00}, XX/XX/XXXX ) student loan briefly ( XX/XX/XXXX-XX/XX/XXXX ) prior to said loan entering repayment ( XX/XX/XXXX ) to XXXX XXXX, current- and only loan servicer for said loans repayment. No payment was ever owed XXXX XXXX for said loan. No payment was ever made to XXXX XXXX for said loan. There is no repayment history for said student loan by XXXX XXXX. Repayment of said loan is solely serviced from repayment entry ( XX/XX/XXXX ) to present ( XX/XX/XXXX ) by XXXX XXXX. XXXX XXXX replied to my prior XX/XX/XXXX CFPB complaint stating : According to our records, the loan ( s ) referenced in the information you provided is/are not serviced by XXXX XXXX, nor is XXXX XXXX furnishing any information regarding such loan ( s ) to the consumer reporting agencies in your name. ( See, Letterhead letter from XXXX XXXX to me dated, XX/XX/XXXX, paragraph 2, lines 1-3, pdf, attached. ) In direct contradiction to XXXX XXXX XX/XX/XXXX letter, EXPERIAN currently reports XXXX XXXX denied student loan tradeline/account report for said loan. ( See, EXPERIAN report number : XXXX ), dated XX/XX/XXXX, XXXX XXXX tradeline account shown in my credit report, pdf attached. Contrast, attached pdf of XXXX XXXX letterhead letter, signed and dated, XX/XX/XXXX, unequivocal express denial that said EXPERIAN XXXX XXXX [ {$10000.00}, XX/XX/XXXX ] student loan report exists in any credit report. ) The attached EXPERIAN pdf XXXX Mae loan report copy unquestionably contradicts XXXX XXXX XX/XX/XXXX letter ( copy attached ), by which letter XXXX XXXX expressly repudiates EXPERIANS reporting of said student loan account. EXPERIAN should promptly permanently delete said student loan account XXXX XXXX expressly denies reported to any credit reporting agency. 


REMEDY SOUGHT : EXPERIAN promptly ( within five business days of receipt of this CFPB complaint ) permanently deletes XXXX XXXX denied student loan tradeline/account report for said student loan ( EXPERIAN Report number XXXX for XX/XX/XXXX, XXXX XXXX account number : XXXX, pdf attached ) from my credit report.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I deposited a check for {$1000.00} on XX/XX/2022 and my account was charged off the next day also I went inside the branch and tried to reverse the charge off on my account and they want to place a 20 day hold on my account and additional days to send me a check in the mail for the remaining balance. Which is not fair and insane.
Consumer complaint received 2017-10-09
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. (MA)

I had submitted a complaint about XXXX XXXX with your company back in XX/XX/XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XX/XX/XXXX. Upon pulling my credit report Equifax is showing that I have two accounts with XXXX ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XX/XX/XXXX. I submitted a dispute with Equifax over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with XXXX changed again on my XXXX  report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XX/XX/XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that equifax has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.