davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-21
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. (MI)

I Have prevously disputed the erroneous data for XX/XX/XXXX through XX/XX/XXXX with both XXXX XXXX and Experian. XXXX refuses to fix despite acknowledging status of the accounts as being in a disaster forbearance and subsequent deferment for the period ( s ) of derogatory history reported to Experian. In my prior Experian disputes, Experian has translated it to general XXXX code " incorrect account information '' to get around having to conduct an actual investigation. In its place Experian then requests an automated update of the information for the account/tradeline resulting in perpetuation of the inaccurate/unverifiable information ( adverse credit history ). As an aside, this practice is not new, as XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. provided written testimony to the HOUSE COMMITTEE ON FINANCIAL SERVICES on XX/XX/XXXX, on behalf of the National Association of Consumer Advocates, specifically outlining the practice ( retrieved from https : //archives-financialservices.house.gov/hearing110/osbennett061907.pdf ). A copy of the testimony is attached. 

The attached documentation shows XXXX own response to the CFPB explaining the periods of deferment and forbearance for both subgroups. Consequentially Experian CAN change the information without the input of XXXX.
Consumer complaint received 2016-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

My mortgage loan ( Fixed loan ) was transfer to another bank ( XXXX to BSI Financial ), and this month my mortgage payment went up from {$1300.00} to {$1700.00}. When I called BSI, they told me that when they got the loan, it had a negative escrow balance of {$1200.00}, and when they paid the taxes and insurance my escrow was negative over {$4500.00}. Now my question is, where is all the escrow money I paid to XXXX? My mortgage payment is going up more than {$400.00} just got the transfer of the loan ... this will affect my finances big time. I need help dealing with this ... my escrow money have to be somewhere!! Please help.
Consumer complaint received 2021-11-21
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2019-07-30
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. (MS)

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious to me and needs to be deleted asap. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-07-30
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. (IL)

my identity was compromised. i disputed matters several times with the cb and they only reply verified or accurate. i advised them about my situation, i have proof of letters sent out with items that should be removed. they refused to obey by the law with providing me with validation that obligates me to the items as mines.. i provided my police report etc..
Consumer complaint received 2021-11-21
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-11-21
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$930.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$930.00} XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$63.00}
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5200.00} XXXX -- XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$330.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-21
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. (DC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2019-07-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX  however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: First Data Corporation (TX)

I applied for a bank account with XXXX on XXXX/XXXX/XXXX and was told that I had something with Telecheck. So I contact telecheck to inquire. I was informed that I have XXXX checks to XXXX check number XXXX for XXXX on XXXX/XXXX/XXXX and check number XXXX XXXX on XXXX/XXXX/XXXX. I requested a copy of my report and was informed I had to provide my drivers license social security number address and a voided check which I AM not comfortable doing. I have no idea what bank account this is and have never wrote a hot check to XXXX.
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (FL)

To whom this may concern : I reached out to the credit reporting agencies XXXX and XXXX, to update my personal information as well as validate information that is being reflected on my credit report as a collection. the specific account ( s ) are as follows XXXX : 1 ) rent recovery, for the amount of {$2000.00}. 

XXXX 1 ) prince and parker, for the amount of {$150.00}. 
2 ) rent recovery, for the amount of {$2000.00}. 

I sent a letter showing proof to update my personal information with both bureaus. I also asked that they validate the accounts on my reports. I sent in that request via letter on XXXX XXXX XXXX I still have not received any mail nor email from either bureaus. According to the the FCRA, the bureaus should respond back to me within a 30 day time frame. I am asking kindly that you all help me with coming to a solution.
Consumer complaint received 2023-02-21
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. (MN)

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 USB XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency May make an 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 2021-11-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLIANT CREDIT UNION (LA)

My compliant falls under a different category. I deposited a XXXX Treasury check into my checking account on XX/XX/2021 with XXXX Bank. They have held these funds for over XXXX days and are still holding them as of today. I thought banks could only hold government issued checks for XXXX day. Please advise.
Consumer complaint received 2023-04-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-07
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian, XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$2700.00}
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

Good day, I sent the payment of {$700.00} through online bill pay from XXXXXXXX XXXX and the payment was sent on XX/XX/XXXX to American Express. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX american express, which transferred to XXXX in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current american express account which is XXXX American Express said call XXXX, and XXXX said call american express. XXXX said since 2 years ago, they can no longer check former american express XXXX accounts. American Express said they can no longer check any XXXX account formerly by American express. In early XXXX, I went to the XXXX bank, i spoke with many different representatives from both American Express and XXXX XXXX XXXX including supervisors, and opened disputes. All disputes were closed without any resolution. Both financial institutions pointing at each other to contact. Then I spoke with American express dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXXXXXX XXXX but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and XXXX name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from american express stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called american express again and one representative was very impatient with me stating i have to have my financial institution ( XXXXXXXX XXXX ) send in writing to return the payment. Another representative said i have to contact XXXX XXXX I am being circled around and meawhile {$700.00} is lost and XXXXXXXX XXXX can not retract it, can not recall payment, American Express can not and stating call XXXX and XXXX said call American Express. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The account is a business account for a franchise fast food restaurant. Incoming credits are not being processed before outgoing debits are processed resulting in NSF charges. We are under the impression that checks are supposed to be processed from the least amount to the highest and that is not the order in which checks are processed. Additionally, if multiple checks are received at the same time or day and the total amount of those checks is over the balance amount in the account, the bank rejects all the checks instead of processing them up to the balance amount. This results in multiple NSFs charges from our bank. This is a huge problem for us every pay period ( we pay bi-weekly ). Employees checks  consistently get rejected by the bank because not all of the checks submitted that day can be processed causing multiple NSF charges from our band as well as from our employees bank.