davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to submit a complaint against XXXX  XXXX for violating my consumer rights under consumer law 15 U.S. Code 1666b. A late payment was reported on my credit profile for the month 's XXXX and XXXX causing my score to drastically drop. The late payments on the report are inconsistent per bureau which challenges the full integrity of the reporting. I was charged multiple fees that were not clearly and conspicuously. I mailed a letter to XXXX XXXX about this error on XX/XX/2022 and it's been we over 35 days with no response. 

According to 15 U.S. Code 1666b, a creditor is not allowed to report a payment as late unless it is more than 30 days past due. My payment was not more than 30 days past due, so I believe it should not have been reported as a late payment.

I request that the Consumer Financial Protection Bureau take immediate action to ensure that XXXX  XXXX complies with consumer law 15 U.S. Code 1666b.
Consumer complaint received 2020-03-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Idaho Housing And Finance Association (ID)

My loan got sold to homeloanserv. I work in XXXX  so I know it can take a while when that happens for them to report the mortgage to the credit bureau. However I have been making payments since XXXX ( XXXX ) and it is now almost XX/XX/XXXX. My mortgage has not reported to my credit. I have called and emailed and homeloanserv intially did not respond to me. I finally started working with one of their employees who said it would report by XXXX ( XXXX ) at the latest. Keep in mind that is 6 monthly mortgage payments later. XXXX has passed and it is still not reporting. Emailed the representitive again and she said it could take the credit buears two to three months to report. So basically they are telling me my mortgage may not report to my credit until XXXX. That is 10 months worht of payments and no reporting. In my five years of XXXX I have never seen any other company take that long to report. They will not address or fix the issue even though I have contacted them multiple times to do so. It's frustrating where i'm actually making my payments and trying to further build my credit score but I am unable to do so due to the companies lack of reporting standards.
Consumer complaint received 2023-05-05
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. (FL)

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 # XXXX ACCOUNT NAME : XXXX  XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXXXXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX The above said accounts, have 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 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 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-03-28
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. (MN)

There is a XXXX XXXX XXXX credit card with a 30-day late payment and seven years of good payment reporting on my credit reports XXXX  keeps on verifying it but not validating it I have spent a minimum of 4 hours on the phone with XXXX  XXXX themselves and they have no record whatsoever of my ever having such an account. It shows closed in good standing with XXXX  balance but the one 30-day late payment they are reporting is damaging my credit report and Reporting negatively being the fact that there is no such proof or record of this account whatsoever at XXXX XXXX I don't understand how they are possibly validating that this is accurate account. 
I have tried disputing it numerous times and I have had numerous XXXX XXXX employees also try to dispute it. 
If XXXX or TransUnion or XXXX can not simply go on there and adjust the one negative payment that the tradeline is reporting then because of the fact that there is no proof of this account or account numbers existence whatsoever I request them that the entire tradeline be deleted from my report. 
Yes they have done nothing but assure me that it is accurate on my reports and every time I call XXXX XXXX and XXXX XXXX assures me the account never existed. I do not know where to go from here but I am very frustrated at this negative payment being reported monthly.
Consumer complaint received 2020-03-28
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. (CA)

Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-03-28
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)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX   XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (WI)

Lexis Nexis is reporting an eviction that the courts didnt provide to them to report. This is defamation! Although this is public information I DID NOT give my consent for them to share my personal information or report it. This is ruining my reputation and damaging it all in one! Lexis nexis has violated FDCPA and that makes them liable under 15 USC 1692k civil liability.
Consumer complaint received 2020-03-28
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. (GA)

I have tried to get 2 inquires which are over 2 years old and 2 accounts that are over 7 years old and do not show any reporting. The 2 inquires are XXXX XXXX and XXXX XXXX XXXX. Now both of those inquires are over 2 years old. Now the 2 accounts in mention are XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX both of those are over 7 years old.These are the only things on my report that should have fallen off because they have been over 7 years old. I looked at my credit report and tried to get these removed due to being inactive with no luck at all.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

In XXXX or XX/XX/2019, right around the time I was contacting all the credit bureaus about the name change dispute, I attempted to access my annual credit report through XXXX XXXX, XXXX, and, while I was able to get one from XXXX, I was not able to get one from XXXX until I ordered it by telephone in XXXX since I am completely XXXX. 
A few days ago, somebody told me that Experian offers a credit boost, in which they consider telephone, internet, and utility as a means for building credit. I tried to sign up for this, but when I answered the verification questions, only one of those questions matched what they had on file. everything else they had was based on random information. I tried to create an account two times, but I was not successful. 
I called Experian during business hours at +XXXX ( XXXX ) XXXX and +XXXX ( XXXX ) XXXX, but both of these numbers only led to an interactive voice response system with no way to be transferred to a live person to have this resolved.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (DE)

I have openned a Business Paypal Account and received funds form our sales from XXXX website. email : XXXX BUSINESS NAME : XXXX XXXX Paypal receive these funds {$47000.00} USD and they are not allowing me to withdral my bank account from XXXX XXXX to this paypal account ( they are always showing same error message : there is an error, please contact support. ) Also they are asking me to create an ITIN number in order to let me move these funds to other paypal account. I have applied to an ITIN in USA IRS 5 months ago ( but so far didn't got my number ). So these funds are locked inside paypal. So this is not fair. If they are not allowing me to withdrawal these fund ( because I didn't have ITIN so far ) why they allowed these funds to be deposited in this account in first place? I have a bank account but I am not able to link this account at their system. So I would like to ask to receive these funds by a Wire Transfer or they allow me to transfer funds to a different paypal account. 
I have submited a complaint last month and PAypal said that funds are ready to Withdrawal on XXXX XXXX. I have tried to withdrawal funds today and got no success.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2021 I went online to pay my XXXX XXXX MasterCard with Synchrony Bank. My payment was around XXXX and decided to pay XXXX. So on today XX/XX/2021 I noticed that the balance owed was pulled from my checking account XXXX. I tried to login online to check to see my account and to view payment history and was unable to get in. I kept receiving error message. At this point I decided to call. A female representative answered I explained my issue she advised me that I can put in a dispute for payment and my funds will be back in my account in 21 days. I advised her that payment was for only XXXX not the balance owed and that I needed my money back immediately to pay my mortgage and other bills that were going through. She stated because payment was made on XX/XX/2021 there was nothing she could do. I told her several times I need my money back payment was only supposed to be for 100. Not the balance. So after hearing her say several times there is nothing she could do. So I asked to speak to her Supervisor or manager she then placed me on hold. A female Supervisor I think by the name of XXXX came on the line and say she understand my issue but there is nothing they can do by getting my money back to me and that I need to call my bank. I asked if there is a way they can review payment? She stated that they can only see payment was made online. So I said to her you mean to tell me as fast as you all pulled the funds from my account you all can not return it? She told me no it hasnt posted on their end as of yet even after I advised her the money has been taken out my account. I stressed to them how much I needed my money to pay other bills and that my mortgage was going through neither one of them cared. We are in a pandemic my XXXX XXXX credit card is not past due. I made the payment on time. Im the consumer and they didnt care to listen or assist me ..all I kept hearing is what they couldnt do for me and I feel so bad! Now I have no money in my account to pay others bills and on top of that my mortgage may return. Synchrony Bank representatives should be more emphatic in these times that we are in. Neither one nerved said ok Ms XXXX let me take a look to see what I can do for you. It was always what they cant do. I ended with no resolution and following up with my financial institution. Im highly upset and disappointed! There has to be a resolution to help consumers if a mistake was made on a payment. They have no right to keep my money if Im telling them the payment amount shouldnt been different. The remaining amount shouldve been reversed immediately 2-3 days not 21 days that unacceptable!
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I lost my wallet that included my bank of America debit card issued by unemployment as well as my NJ id. I called Bank of America and had issues resolving the problem. I was asked to go into a Bank of America location with two forms of id. The problem is that due to covid NJ DMV is not running regular hours. I have not been able to get an appointment. I am a XXXXyear-old man, I already don't want to spend more time out in public places than I have to. I have reached a point that I'm not sure what to do. This week coming up will be the 6th week of claiming and not being able to actually get my money. 
I hope that someone can please help me with this matter.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NE)

Someone sent me money on Venmo XX/XX/18. I open an account and was unable to transfer funds. My account is frozen. I provided required documentation but Venmo refuses to send money back to sender or unfreeze account.