davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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. (CA)

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. Its been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false
Consumer complaint received 2021-01-24
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. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 41 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2021 I attempted to get a mortgage from Bank of America. The first words out of the Sr. Loan Officers mouth were " be nice on the survey no matter what happens ''. That should have thrown up a red flag. After several and I mean several back and forth emails about rent, XXXX accounts, and other little things the Sr. Loan Officer let me know, after the fact, that my loan had " timed out ''. I never knew that a loan " timing out '' was a thing. After that happened they had to check my credit again which is probably my biggest complaint about this whole situation. I went from a XXXX to a XXXX to a XXXX credit score. Here is the thing, I make XXXX/year and the loan was for XXXX. It made no sense why the loan was taking so long to approve. So I spoke to the Sr. Lending Officers boss and she stated that she didn't know this was a conventional loan, she thought it was a refi. They didn't even know what kind of loan we were getting. 
We were renting this house and were trying to buy it, while all this was going on the owner of the house decided not to sell. This has essentially made us homeless. I have spent large amounts of money trying to figure this out and have sense gone to another bank for obvious reasons. I would like to be compensated for my time and my credit score decline. I know that some people are just bad at their jobs but this is messing with peoples families. My XXXX year old XXXX  has lived here his whole life and cried when we told him. My wife has been crying. Bank of America should, at the least, be held accountable for the terrible handling of this business transaction.
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (MI)

Two different collection agencies are attempting to collect {$1000.00} for an XXXX account. This was satisfied in XX/XX/XXXX and XXXX and both agencies were informed. 

In XX/XX/XXXX, I entered into a short-term loan with XXXX to purchase furniture. The terms of the loan were " 90 days, same as cash '' terms. I believed that if I paid off the loan in 90 days, I would not be charged interest. XXXX guaranteed those terms to me and purchased the furniture ( one mattress set and a couch, totaling about {$1000.00} ). I was required to pay about {$130.00} towards the " furniture loan '' up front. 

Terms also included automatic payments of {$180.00} beginning XX/XX/XXXX and on the XXXX day of each month, thereafter. 

In XX/XX/XXXX, I called XXXX and asked why I had not received any email from them regarding the payments and remaining balance. In late XX/XX/XXXX, I had made 2 full payments and yet was not informed of any remaining balance. I believed that my balance should have been about {$580.00} but no one at XXXX would inform me in writing. I also asked for an extension of the 90 day-terms to pay off the loan and was told over the phone that I could continue to pay on the loan. 

A total of {$1100.00} was collected for this loan that was satisfied in XX/XX/XXXX- actually overpaid the account. 

In XX/XX/XXXX, I was informed by XXXX XXXX that ROZLIN FINANCIAL GROUP L and XXXX XXXX XXXX  are attempting to collect on this same account that was satisfied in XXXX. Both companies report this to all three credit bureaus.
Consumer complaint received 2021-08-26
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. (CA)

I sent a complaint about so many inaccurate details information on XX/XX/2021. but to this day over 60 days have passed I still have no response coming from you. I feel like they are not taking me seriously for some reason, I was told that by law, you were supposed to respond within 30 days so is clearly a violation. I will seek legal help if i need to but I want these inaccurate information on my report deleted. if i need to take this to the next level I would but i hope this issue will be resolved soon and get me cleared from any misleading details. I am going to wait for your response
Consumer complaint received 2023-03-10
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACS Education Services (TN)

Recently, I submitted a credit dispute via XXXX Account. To which, this was the only credit bureau displaying closed accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX The two amounts were for the amounts of {$2500.00} and {$2600.00}. 
Facts of this matter, I disputed both separate/ collective accounts XXXX, and they both were completed by XX/XX/XXXX. I asked that these harmful documentations of closed accounts be removed from my credit report being that my student loan situation with guarantor XXXX has been corrected/reconciled. XXXX once had my account in closed/ collection status, and now lifted to open/good standing status ( consolidated account ). I expressed this through my recent dispute with this collector and they refused to correct my status as if I had a personal obligation to fulfill with them. I have no contractual agreement with ACS nor did I with XXXX XXXX. For whatever business they conducted upon the collection of my account was between them, to my lack of knowledge. The purpose of collection is to recover delinquent/ default accounts sold. This is not the case here. It seems they simply want to be compensated for their acquiring of this account, but I am not the responsible nor obligated party to compensate their interest. Furthermore, if this company is a decon to XXXX XXXX as stated, they would follow suite of the credit bureau accounts dropped against my case recently by XXXX XXXX themselves. On the date of XX/XX/XXXX, I directed a complaint towards XXXX, and the results would unveil an updated report with them removing themselves from my account in totality in weeks from the response date. Why should this act not be followed by the deacon of XXXX XXXX as ACS stated? My screenshot attachment via XXXX would reveal that ACS is my only closed/collection mark involving this case. To also shed anotheer element of light upon this case, I also found it suspicious that I was not able to find any information on this company via XXXX search. So, there has not been any contact amongst myself and this 3rd party either. I have not asked for too much, but only what is just for the betterment of my credit growth, as this has effected me for too long. It should also be noted that I was placed under default erroneously, I was XXXX from XX/XX/XXXX to XXXX [ Attachment Included ]. There was no contact between myself and the lender. This was corrected later, which is why we are currently having this dispute.
Consumer complaint received 2024-02-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I got a collection letter from BJs for a credit card ending in XXXX, I didnt apply for this credit card, never used it or received it.Yet again I got billed on interest on this credit card.Also I got a report that my XXXX went down for non payment.
Consumer complaint received 2021-08-26
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. (FL)

On XX/XX/2021 I did a review of my credit through Equifax. I noticed a hard inquiry was ordered on XX/XX/2021 from XXXX XXXX  which I did not authorize. I immediately disputed this with Equifax and also filed a complaint with your office. I received a correspondence from Equifax dated XX/XX/2021 and have enclosed this along with a letter from XXXX XXXX about not approving the application due to identity non being able to be verified. I did not authorize this and it appears to be fraudulent. Somehow someone got my information and tried to apply for a line of credit under my name. I have spoken with someone at XXXX XXXX and they have assured me they will report the error to Equifax. Now it will be up the Equifax to remove this inquiry from my account.
Consumer complaint received 2020-06-17
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is a written notice to XXXX XXXX XXXX who acts as ceo of legal fiction Transunion that I the consumer XXXX XXXX the agent of XXXX XXXX see inquires that I did not authorize or consent to block and remove them now.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX. I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. 

I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( XXXX, TSU, XXXX ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. 

Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.
Consumer complaint received 2023-03-10
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts and inquiries listed on my credit report. I understand that my credit history is an important factor in determining my financial well-being and I am concerned about the negative impact these items may have on my credit score. 

Firstly, I dispute the charge off account listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that these accounts were inaccurately reported as charged off and I have documentation to prove that I have made payments towards these debts. I am requesting that these charge off accounts be removed from my credit report. 

Secondly, I dispute the inquiries listed for XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize these inquiries and I am concerned about the impact they may have on my credit score. I am requesting that these inquiries be removed from my credit report. 

I understand that under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. I also understand that I have the right to dispute any inaccuracies on my credit report and have them investigated. 

I am emotionally distressed by the inaccurate reporting of these items and the potential negative impact they may have on my financial well-being. I urge you to take immediate action to investigate and correct these errors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Purchased a new custom built home on XX/XX/19. The mortgage agreement had to include a holdback, in escrow, for several landscape related items that were outline in the Purchase and Sale, but not done by the time of the sale closing. After several attempts we did not accept that these items were completed and requested that the Mortgage lender, Bank of America, not release the funds and to use them to correct the issue. After a year + of dealing with Bank of America, the issues were never corrected using the escrow funds. The funds were also not returned to us. 

Bank of America 's advice was to get a lawyer, but a ) can not explain how we are actually have any legal standing with this as the escrow agreement appears to be between the Mortgage Lender and Seller. b ) decided, without our approval, to say that the items are close enough and that the Seller may have the funds. 

I have had numerous discussions with Bank of America and their subsidiary, Merrill Lynch and just feel like I am getting the same canned answers and brushed off.
Consumer complaint received 2023-03-14
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)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-14
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Was defrauded cost of a XXXX XXXX and PayPal. XXXX refuses to acknowledge they did not verify the fraudulent seller and reused to even allow a complaint to be entered. PayPal is not issuing a temporary credit even thought they charged me and a filed a dispute on the transaction
Consumer complaint received 2021-07-30
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. (PA)

The accounts listed in the attached letters are adversely affecting my credit report and preventing me from being approved for a mortgage. The false, inaccurate and unverified information is causing financial harm and stress to me and my family. I sent a letter dated XX/XX/2021 to this consumer reporting agency and they have yet to reply to my dispute. Therefore I am filing this complete with CFPB because they are clearly taking advantage of me by ignoring my disputes. I can not afford to wait another 45 days to receive no response again. Section 611 ( a ) plainly states that a failure to investigate items withing 30 days gives reason for immediately removal of those items from my credit report. Therefore I am requesting they delete the accounts listed in the attached letters.
Consumer complaint received 2021-08-12
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. (MO)

I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. XXXX XXXX XXXX XXXX XXXX {$770.00} } i even reached out the the data miners at transunion as well after the company, I also havent recieved apiece of mail to state the truth or why it wont remove. Theres no wet signiture on me and its been in collection without replying with the reason why after i stated this doesnt belong to me that it is reporting. PLEASE REMOVE IMMIDEATLY IF THE PROOF IS NOT SENT IN MAIL IN THE NEXT 15 DAYS ITS WELL OVER 120 PLUS DAYS. i WILL SEEK THE MAX PENALTIES NEXT IF MY FCRA CONTINUES TO BE VIOLATED.
Consumer complaint received 2021-07-30
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. (LA)

I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 35 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. This information violates the FDCPA section 807 and also FRCA 15 USC 1681 A, USC 1681 # 2. They are infringing on my right to privacy and I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

On XXXX XXXX a dispute was filed with Chime Bank in regards to an XXXX item that was not received on and after the expected delivery date. It was for Claim No. XXXX for the amount of {$160.00}. A dispute form was emailed to and was completed and returned to Chime Claims Department the very same day. 
Regulation E of Banking Rules state that if a customer has a dispute, notifies bank in writing, is entitled to provisional credit of the amount in question. Bank has to reach a resolution within 10 days, and if institution can not reach a resolution within that time frame, they are to provide provisional credit to the customer. That wasn't done. And what's worse, Chime advised me that due to the nature of my dispute, I wasn't entitled to provisional credit and that the claim wouldn't reach a resolution until XX/XX/XXXX. Chime was confronted with the facts, but rather than come up with some competent answer, decided to send me " form emails '' repeating the same nonsense excuse. I, in addition, submitted additional information to Chime Claims, with no confirmation stating they'd received it. 
Chime is in violation of Banking Regulation E, and I demand that my funds in the amount of {$160.00} be returned to me immediately. Chime is deliberately causing financial hardship in addition to violating banking regulations.