davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am contacting regarding the following three cards from BofA : ( 1 ) XXXX There was a {$19.00} credit on my account before XX/XX/XXXX last year and the credit was gone after. A transaction named " CREDIT BALANCE REFUND DEBIT '' was posted on XX/XX/2016. I have no idea of what it is. I never requested for the refund ; I did not see where the refund went either. <P/>( 2 ) XXXX The customer service gave me wrong information about my autopay setup and it prevents me from calculating and meeting the spending request of the welcome offer. I was confirmed a few times by the customer service that I had set up autopay successfully. However, I have been charged late fee and interests multiple times after that. Though they agreed to waive those fees, the inconsistency confused me with the calculation of my spending amount in the given period specified by the welcome offer. I calculated using the payment amount with the assumption that the payment amount should equal to the spending amount ( as the customer representative told me that autopay 's been set up correctly. However, there is discrepancy between them for either the wrong info provided by the customer service or issues with BofA autopay system and hence the spending amount was calculated wrongly ( I missed by ~ {$20.00} ). After finding out this issue, I immediately filled up the difference by spending another {$40.00} in XX/XX/XXXX and tried to contacted BofA. I received a voicemail from BofA during the winter break when I went to another country. I tried to call back and left a voice message but never heard back. <P/>( 3 ) XXXX I should have received a companion pass after paying the annual fee. I did not get anything.
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a request for reinvestigation due to inaccurate information reporting on my credit report. I want to bring attention to the follow law which is 15 U.S Code 1681e Compliance procedures ( b ) accuracy of report. The law states the bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information reporting. They have failed to do that and my rights have been violated. The laws also state there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I even demanded that they provide me with the methods use to verify such information and have not received any response as required under 15 U.S. Code 1681 ( b ) Reasonable Procedures. I have not received any correspondence of any investigation being initiated on my behalf which is again a violation of my consumer rights. The law states that any and all unverifiable information is immediately deleted and blocked from my consumer file.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I submitted documents to TransUnion from XXXX XXXX  saying that they would remove my late payments from my credit report, and they have not updated my report yet. All other credit checking companies including XXXX have already removed the late payments after submitting the proper documentation, but TransUnion still continues to have the incorrect information.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (MA)

To whom it may concern, I was reviewing my credit report and seen some inaccuracies on my file XXXX and Equifax both delete the following account due to not being able to accurately verify it. i would like to delete my hard inquiry due to an inaccurate credit check
Consumer complaint received 2021-10-06
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX ( XXXX XXXX  ) Experian sent report that dispute has been solved. I disagree because of the missing and incorrect information in the Experian Report dated XX/XX/XXXX used to solve the dispute. 
On XX/XX/XXXX report XXXX, XXXX, and XXXX are missing. 

XX/XX/XXXX was the first date of delinquency ( 30 days late according to Experian Report dated XX/XX/XXXX. 
XXXX XXXX ( late 30 days XXXX XXXX ( late 60 days ), XXXX XXXX 60 days and XX/XX/XXXX late 120 days Report dated XXXX is incorrect. 

XXXX XXXX Should have been removed XX/XX/XXXX The first date of delinquency ws XX/XX/XXXX. XXXX XXXX and XXXX account was late 30, 60, and 60 days. 


I am requesting that the ccounts be removed from my report because of account age
Consumer complaint received 2021-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report and found that this account is inaccurately and erroneously reporting in XXXX Credit Bureaus. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Also, I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the collection was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

equifax and XXXX is furnishing creditor : XXXX a balance of XXXX shows derogatory marks when i have already resolved this with " XXXX XXXX XXXX  '' the problem came when they furnished the same derogatory marks twice in essence they had the same bill twice and it totaled XXXX now sinc they only took one off its still reporting incorrectly i also have proof from XXXX XXXX XXXX aka XXXX look at the attachments
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-10-06
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: CITIBANK, N.A. (GA)

Credit reporting agency is improperly reporting a balance owed to Macys and to XXXX XXXX and they are inaccurately reporting that I filed a Chapter XXXX in 2017. I never filed a bankruptcy in 2017.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

I am requesting all documentation from PHH MORTGAGE XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX FOR PROPERTY LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX I RECENTLY REQUESTED DOCUMENTS VIA OPTION ONE DBA OCWEN DBA PHH AND RECEIVED AN IMMEDIATE RESPONSE FROM LEGAL COUNSEL XXXX XXXX . GIVEN I DID NOT SEND A DIRECT REQUEST TO PHH IT GOOD TO KNOW OUR CASE CONTAINS SEVERE DAMAGES. THIS REQUEST IS TO MAINTAIN CONSISTENCY IN MY REQUESTS.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC (IN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo sent a copy of a report with the late payments reporting on these dates XXXX XXXX XXXX unlawfully. After I asked them to not report unlawful information based on source of Consumer law 15 U.S.Code 1666B Timing of payments & 15 USC 1681a ( d ) 1. This has burdened my credit report and hindered me from obtaining financing for a home and for my business.

These are the laws below 15 U.S.Code 1666B Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 USC 1681a ( d ) 1 ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Consumer complaint received 2021-10-06
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I sent a letter to the Experian to notify them that there are some inaccurate accounts as a result of a data breach on their credit report for me. This is well over 45 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are several companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. Please see the attached affidavit and information sent to Experian
Consumer complaint received 2021-10-05
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: Santander Consumer USA Holdings Inc. (IL)

There are several unauthorized inquiries on my account that I have no knowledge of, these inquiries has been on my XXXX credit report since XX/XX/2021.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

My personal information was stolen and multiple cards where opened in my name and maxed out. Ive sent FTC AND POLICE REPORTS AND THE CREDIT CARD COMPANY IS STILL REFUSING TO REMOVE THIS ACCOUNT AND CHARGES
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (GA)

Credit bureaus did not update late payments status i have proof from company that this account was never late and experian has yet to update payment history XXXX XXXX XXXX XXXX Company confirmed this according was always on time and never late
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Opened XX/XX/2017 allegedly owe : {$1600.00} I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, XXXX  credit account XXXX with PROFESSIONAL DEBT ME has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states that a consumer reporting agency can not furnish my account without written instructions.
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thanks.
Consumer complaint received 2021-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-10-06
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: MoneyLion Inc. (NY)

On the second of XXXX I had my wallet stolen, which contained my social security card, drivers license, and insurance card. I had to replace everything and when I check my credit report I see 2 accounts that were closed that I had never opened. XXXX and MoneyLion, these were apps where you can get a loan simply inputting personal information. I checked the accounts and they were severely delinquent. This severely impacted my credit which is just completely unfair. My information was used by someone else to obtain money from the loans which were never payed back. When disputing the errors on my credit report in experian the fraudulent accounts were not taken off.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAP ONE AUTO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

On XX/XX/year>, I was told by MOHELA my loans were forgiven under PSLF. I was told I have a credit of {$280000.00} and to expect a refund. I have been waiting since for my refund. I have been in contact with MOHELA- keep being told at first 30-90 days. Now I'm told there is no timeline when I'll receive it. I was in contact with them XX/XX/year>, XX/XX/year> and XX/XX/year> regarding this.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XXXX XXXX, 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX  - {$220.00} XXXX XXXX- {$560.00} XXXX - {$560.00} XXXX XXXX- {$660.00}
Consumer complaint received 2021-10-06
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: Experian Information Solutions Inc. (GA)

I have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

On XX/XX/XXXX th XXXX  a payment of XXXX was pulled from my account. Then on XX/XX/XXXX another withdraw was taken from my account im the amount of XXXX. I am signed up for ACH payments and the XXXX funds were pulled without authorization. I called on XX/XX/XXXX and was told since two payment were taken out at once it would be escalated and I would receive a refund 7-10 business days. As of XX/XX/XXXX I have not received anything and now being told it would be 60 days for a refund. Not to mention I have been in the phone for over three hours, transferring to multiple different departments then hung up on with no resolution and no call back after giving permission for them to call me back. 
There customer service is horrible and now I have another payment coming up that I dont have money to pay.
Consumer complaint received 2021-10-06
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: CITIBANK, N.A. (NY)

There is unrecognized inquiries on my credit report which i didnt authorized. These inquiries is showing as hard inquiries on my credut report on XXXX only. 
An inquiry was made to best buy through Citi bank on XX/XX/2021 and XXXX XXXX XXXX XXXX XXXX XX/XX/2021. 

I disputed these inquiries with XXXX to get them off my credit report. The result that came from their investigation was for me to contact the company who reported those inquiries. 
I have contacted both these companies, they both have nothing on file that i was trying to request credit or opening an account.