davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This incident happened on XX/XX/2020. It's about a fraudulent transaction on my debit card with bank of America and a company where I remit to send money to the XXXX called " XXXX. '' On XX/XX/XXXX, I received a text alert from Bank of America that my debit card balance dropped to XXXX, so I immediately checked my online account which I always do once or more times everyday, and true enough there were 5 different transactions amounting to XXXX plus 2-3 more transactions amounting to {$640.00}. So, I immediately called BOA and told them to stop those transactions because I have not authorized them. I even requested to have my debit card cancelled and changed which they did. They said they were not going to process the transactions which were still pending at that time. I also called the merchant who was able to stop only some of the payments, the last 2-3 transactions still undergoing when I called them amounting to {$640.00} each. At that time, they said they were going to refund me whatever amount got posted. Also informed them that I talked to my bank already. So, I just waited for some time since they said it was going to take about 5-7 business days to process my refund. However, because it was my debit card that had fraudulent transctions, my overdraft protection kicked in and paid my debit card totalling to {$6800.00}. I was hopeful that I would get refund from either my bank or the merchant, so just waited patiently. I didn't call again until around XX/XX/XXXX but they said just to wait for the investigation. I had a hard time calling for XXXX especially around the lock down period, had to wait hours on the phone and called them several days before I spoke to someone finally on XX/XX/XXXX. XXXX told me they were able to stop just the last 2 or 3 payments but they won't pay for the 5 transactions that already went through because they said my bank should have been able to stop it. So, I was frustrated with their answer and re-submitted additional documents to BOA. BOA took it as a new claim and re-processed it, followed it several times through phone, until after about 6 weeks, they determined they were not paying for it. So, I re-submitted a new claim on XX/XX/XXXX, re-adjusting the amount from {$6800.00} to {$4900.00}. Today, XX/XX/XXXX, I received a sad news that they are not paying for the claim again. This incident truly gave me a lot of stress. I have been with BOA for over 15 years but never had this experience. I am not sure how my account got hacked and money was sent to someone in the XXXX I don't know. I don't know who to keep pushing XXXX vs my bank. Thought I did what a prudent person would do to stop the transaction, calling and alerting my bank right away but still the transaction went through. So, I need your help please investigating this. It's a huge amount of money especially during this pandemic. Hope you can give me a light on this matter. Truly appreciate it!
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc. (GA)

Received a letter, Dated : XX/XX/2019 from Benuck & Rainey , inc., Falsely claiming that, I owe {$400.00} to XXXX , XXXX, This debt is not mine.
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Enterprise Systems, Inc. (TX)

National Enterprise Systems is trying to collect on behalf of XXXX XXXX  for an unknown debt. National Enterprise Systems has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$3000.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MN)

I applied for a refinance loan from NewRez ( who services my existing mortgage ). I was conditionally approved from underwriting XX/XX/2020. Since then the process stopped. I have had 2 loan processors, neither of which has EVER returned a phone call or voicemail. My loan officer was helpful in the beginning, but recently quit responding as well. I have called and emailed the loan officers supervisor, and have not received a response. 

I received the following XX/XX/XXXX : XXXX, XXXX Tue, XXXX XXXX, XXXX XXXX Good Morning Mr. XXXX, Congratulations!!! Your loan has been conditionally approved by our underwriters!!! 

She went on to say they hoped to close the week of XX/XX/XXXX. 

I am still waiting.
Consumer complaint received 2020-06-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2023-03-01
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. (CA)

I am writing to file a dispute against XXXX, Experian XXXX XXXX consumer credit reporting agencies, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX  Acct # XXXX & XXXX XXXX  XXXX Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, Experian XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, Experian XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore, XXXX, Experian, & XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, Experian XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, Experian XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX, & Experian for their violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-06-10
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. (LA)

I've contacted Experian, XXXX  and XXXX  on XX/XX/2020 reference to an inaccurate/erroneous item on my credit file that was being reported illegally. In XX/XX/2020 Experian and XXXX  contacted me stating that they have completed their investigation and the item was not deleted as requested by me but instead updated. Based on FCRA 611 ( a ) ( 2 ) ( B ), They are required to forward all of the relevant information I provided by them to the creditor for their investigation of my dispute. I did not receive such information none of the bureaus used for their investigation as required by FCRA 611 ( a ) ( 7 ). I made a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by each bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with in XX/XX/2020. Instead of being deleted as requested the item was marked updated and in fact wasn't updated at all as the account is stating opened reporting negatively when I have documentation showing the account is actually paid in full and closed. I am requesting the item to be deleted from all three credit bureaus for I've had the same investigation issues with all three. Due to lack of investigations not being done properly. I have made several attempts to work with all three credit bureaus even the account creditor XXXX whom i am a victim of their current settled suit due to inaccurate credit reporting. XXXX instructed me to call each bureau to dispute the account to remove it but Experian failed to investigate properly under FCRA 611 ( a )  same as XXXX  and XXXX.
Consumer complaint received 2020-01-02
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)

The collection account from XXXX XXXX XXXX with amount of {$290.00} on my Experian credit report does not belong to me. Verified via multiple sources, it rather belongs to a person with same last name, similar first name, different date of birth and social security number, who happened to have lived in the same apartment community as I did. 

I disputed this account at Experian but they listed this person 's name and address as one of mine and indicated this collection is " verified as accurate '' as the result of this dispute. 

I also tried to contact XXXX XXXX XXXX. I don't have any account on their record but they refused to offer any help correcting the false report, instead their customer representatives tried multiple times to trick or mislead me to admit I owe the money and make a payment. 

Attached proof from the original creditor showing me having XXXX balance with them.
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I contacted Midland Funding on XX/XX/XXXX at XXXX. I was refused a verification/validation letter by XXXX XXXX. He continued to ask if a lawyer was working with me on thw debt and refused to send the letter several times.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX  ( Paid in Full ) Reported : XX/XX/XXXX {$7700.00} XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX( Never Late ) Reported : XXXX. XXXX, XXXX {$0.00} Individual : Bankruptcy ( Never Filed this ) XXXX XXXX, XXXX {$0.00} Discharged CH-XXXX  I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
Consumer complaint received 2023-06-28
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. (SC)

Looking at my credit report are we going by the FCRA laws or not? Under 15 USC 1681 ( a ) ( 1 ) 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. I have suffered actual damages where I cant get approved for business funding, a mortgage, to name a few because of your companys failure to provide accuracy and fairness credit reporting. THERE ARE SO MANY INACCURACIES ON MY CREDIT REPORT, IT IS DISTURBING. What's even more disturbing is these inaccuracies are constantly reappearing causing more damage than anything. I am trying to make an honest living out here but how? So many people are going homeless because of things like this. Not to mention the defamation of character because you reported wrong information about me which assassinated my character to other corporations. 

XXXX XXXX XXXX - account number XXXX inaccuracies are showing the monthly payment, date opened, balance, high credit limit, credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, XXXX, and Transunion SET Financial - account number XXXX inaccuracies are showing the date opened, balance, number of months and last payment INACCURATE on XXXX, XXXX, and Transunion XXXX Avant - account number XXXX inaccuracies are showing date opened, high credit limit, payment status, and last payment status are INACCURATE on XXXX, XXXX, and Transunion XXXX XXXX XXXX - account number XXXX inaccuracies are showing date opened, high credit limit, and date of last payment are INCORRECT on XXXX, XXXX, and Transunion XXXX XXXX - account number XXXX inaccuracies showing monthly payment, date opened, balance, high credit limit, past due, pay status, credit limit, and date of last payment are INACCURATE on XXXX, XXXX, and Transunion XXXX XXXX - account number XXXX inaccuracies showing date opened, balance, high credit limit, past due, payment status and date of last payment are INACCURATE on XXXX, XXXX, and Transunion
Consumer complaint received 2019-12-23
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. (IL)

Experian has not properly investigated the item below. I am requesting it be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX/XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2023-06-28
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. (TX)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and notice not all was corrected and appear the same. The consumer reporting agencies which are XXXX, XXXX, and TransUnion did not modify or remove all items. 

The date open is not correct, the date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a home for my family. 

I attached my previous credit report and new credit report to show how XXXX violated my rights.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

Creditor was sent an accord and satisfaction payment and had endorsed and deposited the payment. Now creditor is refusing to acknowledge they agreed to the accord by endorsing and depositing the accord and satisfaction payment. If they were not in agreement they should have sent my payment back but they endorsed and deposited and have receive the funds. 

This debt should now be paid as agreed via payment. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Consumer complaint received 2021-06-03
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. (UT)

I am a victim of identity fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help me
Consumer complaint received 2020-06-10
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. (TN)

I have 2 inquiries on my Experian and XXXX reports that I do not recognize connected the two lenders at the addresses showing on my credit reports both came back return to sender no such address ( XXXX XXXX XXXX and XXXX  XXXX  )
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I found a Charge offs on my Credit report form XXXX XXXX XXXX I disputed it with the CRA it came back verified. I than sent a letter to XXXX XXXX XXXX about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your XXXX XXXX XXXX does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

Back in XXXX my mother needed help to refinance her home. I helped her and my name was on the statements. On XX/XX/XXXX they finalized the sale of the property and I was illegally locked out of my home. I did my research and they scammed me and did a lot of dirty stuff. I have a lot of information and I have been trying to figure it out and I got all the information I need. This is costing me a lot and is a very stressful situation. I waited 15 days for the company to respond and the company that was named was not XXXX XXXX XXXX XXXX. This is more in depth with the audit. Once they see the audit they will consider something. It was an illegal foreclosure and fraud. The audit explains in detail.