davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America. 

Hello, I have been a long time customer of BofA. 
My credit card number ends with XXXX. 

There has been a fraud in my credit card account. This is a fraudulent charge by the XXXX XXXX XXXX. 
I reported this to your Bank. Your customer service has been rude. They have not corrected the problem. 
After I noticed the fraud, I immediately canceled my subscription to the XXXX XXXX XXXX as noted below. 

You can see all this in the Credit Card Statements. 

XX/XX/XXXX DUPLICATE CREDIT : {$24.00} Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Fees Reference number : XXXX Merchant Name : get more information about merchant name change XX/XX/XXXX DUPLICATE CREDIT Select to Edit the merchant name Transaction Category : get more information about transaction category Online Purchase : N Proof of cancellation : : - {$460.00} XXXX XXXX XXXX XXXX  Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Purchases Merchant description : XXXX XXXX  Merchant information : XXXX, MA Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX Transaction Category : get more information about transaction category Shopping & Entertainment : General Merchandise Online Purchase : Y The amount that says " XX/XX/XXXX Duplicate Credit '' should be removed. 

It is either a mistake on the part of the XXXX XXXX XXXX or it is an outright fraudulent charge. That is why I canceled my subscription as noted above. 

If you don't credit my account with {$24.00}, I am going to cancel my Credit Card with Bank of America. 

I have other credit cards, including one from XXXX XXXX. 

I do hope you will promptly credit my account. 

Best Regards, XXXX XXXX
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

date XX/XX/2020 inaccurate address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX accurate address for that date to present is on report : XXXX XXXX XXXX, XXXX XXXX NY XXXX
Consumer complaint received 2021-05-11
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and Experian to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.
Consumer complaint received 2022-03-28
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. (IL)

In accordance with the Fair Credit Reporting act Convergent accounts XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy In accordance with the Fair Credit Reporting act Convergent account # XXXX, 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : 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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-08-27
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. (CA)

Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. & I have been waiting passed 40 days for a written response ( section 609 Fcra ). I ask that you remove these accounts now.
Consumer complaint received 2021-05-11
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: LEXISNEXIS (GA)

XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and XXXX to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (NC)

My previous case ( XXXX ) with suntrust/truist was closed and somewhat resolved. I was notified that check # XXXX was sent to my previous address, but I never received the check as that address on file was incorrect. Truist representatives are still no help in trying to get another check issued for {$340.00} to my correct address which is XXXX XXXX XXXX. If possible I would like for another check to be issued as I never received the first one. Thank you.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC (TX)

Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. 

These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. 

this has to stop This has been for myself and my husband as well.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Sir/Madam, I am writing to you regarding my discovery of derogatory marks on my credit report. I am a victim of XXXX XXXX and I believe these derogatory marks stem from that XXXX  experience. 

As a XXXX XXXX XXXX XXXX I have faced immense challenges in rebuilding my life and reclaiming my financial stability. Unfortunately, these derogatory marks on my credit report serve as a constant reminder of the abuse and exploitation I endured. 

I kindly request your assistance in blocking these derogatory marks from my credit report. I am working diligently to overcome the repercussions of my past experiences and rebuild my creditworthiness. However, these marks only serve to hinder my progress and perpetuate the cycle of XXXX and it has. 

XXXX XXXX XXXX XXXX has not only made it difficult to get information from them but to give them information as well. I still remain clueless as to where I would send documents because I have been instructed not to do so through the email in which I have corresponded with them a few times on. But this investigation has gone on for so many months now and it still remains on my credit report and I have done nothing but be very transparent and willing to give them information. They're just running from cause they don't want the truth or anything that's going to benefit my situation it seems. 

I understand the importance of accurate reporting and the integrity of credit information. However, in cases of extreme circumstances such as XXXX XXXX  I believe there is a moral obligation to provide support and assistance to survivors. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me at XXXX or email XXXX if you require any further information. 

Thank you for your understanding and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DC)

THE COMPANY SAID THEY HAD COMPLIED BUT HAS NOT. THE COMPANY IS REPORTING DAMGING INFORMATION ON MY CONSUMER REPORT THAT IS CAUSE SCRUTINY UNJUSTLY AND DAMAGING MY REPUTATION
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (DC)

In XXXX of 2018, Wells Fargo sold my loan to XXXX XXXX XXXX. When they sold my loan, they increased my mortgage maturation date to XXXX from XXXX - which was the original maturation date. I called Wells Fargo, they said they no longer had my files and could not change anything regarding the file. I called XXXX XXXX XXXX they could confirm that the maturation date had been changed however they say they can't address anything regarding my file before it came to them.
Consumer complaint received 2021-07-24
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)

It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

XX/XX/2021 I contacted Flagstar bank to refinance my loan. My income has reduced recently. A new mortgage with the low rates that are offered right now would reduce my payment to an affordable amount for me. I spoke with a XXXX. I was at work and did not have documents in front of me so I recited to him what I could remember about my income. He determined my debt by my credit report. He came up with a debt to income of 94 %! I knew something had to be wrong with this amount but he wasn't very clear about how he came up with that percentage ( He most likely counted my recently refinance truck 2x because its on my credit report 2x until the old company drops it off of my report ). I told XXXX that didn't seem correct. My debt to income IS the reason I need to refinance but it's not that bad. He repeated that he couldn't help me and we hung up. 
Since then I have called twice asking to speak to someone about refinancing because something needs to be done, soon. I've been transferred to a message machine, I've been told an email was sent out to XXXX to reopen the application ( I have copies of email ), I've emailed XXXX, all to no avail. No one from my lender will discuss what I can do. 
Then, on XX/XX/2021 I received a letter from my lender that they are raising my mortgage payment by {$100.00}. The same mortgage they couldn't refinance because my debt to income was not good enough they have just made worse. I called in XXXX I believe to ask for the PMI ( mortgage insurance ) could be removed and was told with my loan it can never be removed. 
Something needs to give here. My lender won't answer my emails, won't return my calls, won't communicate with me. I have never been late on my mortgage or anything else, I've never missed a mortgage payment or anything else, I have an excellent credit score of XXXX. I need my lender to work with me here before a problem starts like a missed payment which would lead to foreclosure problems. Anything besides this ignoring me would help. 
Thank You for your time. 
XXXX XXXX
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a request to update the credit limit on a specific account to Equifax. According to the lender, XXXX XXXX XXXX  ( aka XXXX XXXX ), Equifax reported the account as FRAUDULENT. I simply wanted the credit limit to be reflected accurately and Equifax reported the account to the lender as fraudulent. Because of this inaccurate fraud report, the lender closed my account. This was an account on which I had never been late and had recently paid off.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (ME)

On XX/XX/21 I was the victim of a fraudulent Venmo request or spoofing where a user impersonated my sister. I sent {$400.00} to the scammer but realized almost immediately my mistake. Although the charge was still pending Venmo refused to freeze it and investigate.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to request the removal of certain inquiries from my credit report. After reviewing my credit report, I have identified several inquiries that I believe are inaccurate or no longer relevant. I kindly request your assistance in removing these inquiries from my credit report to ensure its accuracy. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-01-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 Experian 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 has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
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. (MO)

You keep telling me you need more information. Please tell me how do i give you more information? 

I am trying this once again. The last time you told me that you needed more information so i am resubmitting this with more information. TransUnion has really been playing games with my livelihood and access to live my life comfortably for well over 300 days. I first sent them a letter in XX/XX/2021, and i've sent a letter every 30 days asking them to re-investigate or delte the false information, but they haven't done anything. The law says they must correct their inaccurate reporting, or remove the account entirely from reporting on my behalf. They either ignore me and just send a letter saying " Verified. '' Not once have they actually investigated the accounts, or provided me with how they verified the accounts. No permissible purpose, no evidence, just lies that the accounts are verified. Alot of them are medical collection/records and I got documents from The collection agency XXXX XXXX XXXX ( which i don't know how they got access to my medical records and procedures, but i didn't give them permission either ). XXXX XXXX XXXX records on file PROOVE, that TransUnion didn't follow regulations and they violated my rights as a consumer on both accuracy and privacy. After i let them know their violations they continued to report the inaccuracies for well over 300 days. How is that possible? Even if they had 60 days with the extension, they still are knowingly and willfully violating my rights under the Fair Credit Reporting Act. I hope somebody can help me because as an American i am suffering greatly from TransUnion reporting false information. I've lost job opportunities, missed out of purchasing a home, have been forced to pay high interest rates of 18 % + on a car loan and 30 % + on credit cards just to live life comfortably. It is very stressful when you're a single parent of 4 kids and you have a company that takes advantage of you for so long, essentially taking food from my kids mouths by pushing my credit score so far down that i'm forced to pay high rates for everything. It has been over 300 days what else is there to do? I am beyond frustrated and stressed out with TransUnion. The responded to my dispute on XX/XX/2021 by stating that the items that i am disputing were not on my credit report. However i pulled my credit report on XX/XX/2021 and those items are still there. This is a huge issue either they are lying or there is a mistake in their system. But either way i'm being violated and my consumer rights under the Fair Credit Reporting Act mean NOTHING
Consumer complaint received 2022-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc. (CO)

Date of Service XX/XX/XXXX I had emergency XXXX XXXX performed on XX/XX/XXXX. 
The XXXX XXXX were incorrectly coded with my XXXX XXXX at first. 
This was resolved, but the remaining debt XXXX did not cover was still sent to me incorrectly by XXXX XXXX XXXX. 
XXXX has acknowledged that I no longer owe any debt -- but they have not communicated this properly to the debt collection agency or XXXX XXXX XXXX. My credit was just negatively impacted today ( XX/XX/XXXX ) by over XXXX points due to this error and the subsequent reporting by Credit Systems Inc. 

I had a 3-way call today ( XX/XX/XXXX ) with " XXXX '' from Credit Systems Inc and XXXX XXXX '' from XXXX to address this issue and the XXXX XXXX said he would need until next Monday to resolve this with Credit Systems Inc XXXX 

Credit Systems Inc ( Debt Collector ) ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX