davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I got a HSBC credit card about 2 months ago.

I have never gotten a bill from then.

I have called HSBC at XXXX several times and only get connected to a Fraud Team Member. 
They said the put a block on the card. 
They always transfer me to a different department, but I am placed on hole never to be answered. 

I always pay my bills on time. 
This company will not send me a bill or let me register online to make payment. 
They will not even give me my total balance.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to Experian XXXX and XXXX about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XXXX  XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XX/XX/2018
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed the inaccurate information reported on my Transunion credit report for Avant credit card. The company has reported the status of my credit card as a charge off every month since XXXX of XXXX. An account can only be charged off once. They're also reporting the first date of delinquency as XX/XX/XXXX. How would that be accurate if it was charged off 2 years ago? When I disputed with Transunion, they simply updated the account as " closed ''. This is unfair and inaccurate credit reporting.
Consumer complaint received 2019-10-04
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion 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 : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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. (FL)

My name is XXXX XXXX XXXX There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a negative credit balance of {$480.00} on my card that was a result of me overpaying my credit card. 

This has happened multiple times and I always have to call bank of america to get it transferred back. It has been XXXX weeks since I called and the money is still sitting in my credit card and not back to my checking account ending in XXXX. 

The customer service representatives are unable to help and they keep saying " its on the way ''. 

In addition I filed XXXX disputes, XXXX against XXXX, XXXX against XXXX, and XXXX against XXXX. I was told I would receive an email to submit documentation showing my XXXX flight was cancelled and such and I was never given that email. I also have not received any temporary credits for these charges.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have reviewed my report for the 3rd time. I submitted a letter to Experian on XX/XX/year>. Now I'm reaching out again regarding errors and misleading information on my credit report. It's been over 30 days since my initial inquiry, as required by the Fair Credit Reporting Act ( FCRA ), and I've yet to receive a response. This is my third attempt to address this matter. The lack of action is causing significant distress, which goes against the FCRA 's requirement for timely investigation of disputes, as outlined in Section 611 ( a ). Since this timeframe has passed without any investigation or response, I am requesting the immediate removal of the disputed items from my credit report, in accordance with the FCRA.
Consumer complaint received 2022-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

After several bouts with XXXX and XXXX related medical issue, my income got a little boost so I started trying to catch up. I am inundated with XXXX - XXXX calls a day on my cell phone and XXXX XXXX calls on my home phone then they hang up once I answer the phones. This is the second time that duplicate payments were made in the amount of {$76.00} ( due XX/XX/XXXX ), {$58.00} ( due XX/XX/XXXX ) and XXXX ( due XX/XX/XXXX ). On XX/XX/XXXX, I called Affirm to reverse the payments because was caught up. Affirm told me they refund/reversed the money back to my account. Later that evening I double check my account and found they processed XXXX unauthorized payments to the account. Now Ive been charged {$60.00} Overdraft plus {$76.00}, {$58.00} and {$40.00}. I reviewed the Affirm accounts and it reflects each of them were refunded but additional processed payments not due. Also, while I thought they were processing a loan modification which said I had no active loans to modify then they delayed it to report derogatory item.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in disputing all incorrect information only credit report with transunion to help clear my file. alot of information is invalid. it is hendering my file an stopping me from moving forward. I need everything corrected to clear my file.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

On two occasions I've sent in a FTC Identity Theft report to the 3 major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.
Consumer complaint received 2022-02-21
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. (CT)

I submitted a dispute to Equifax for a XXXX XXXX account that had been placed on my consumer credit report without my consent, I used Equifax 's online dispute portal ( I will only use XXXX ) from now on as a result. My complaint was that the account is owned by a XXXX XXXX XXXX, XXXX XXXX XXXX and I am XXXX XXXX XXXX, XXXX XXXX XXXX. I stated that the account had wrong information and to delete the wrong account from my credit report in the little area where they have you explain. What happens is I get a generic response letter and just a screenshot of an account with a balance. The account screenshot did not have any name linked to the account, just XXXX XXXX 's response to XXXX was " Consumer 's dispute not specific. Consumer information verified. Account information updated '' not only did they ignore my complaint, they just probably ran this through E-Oscar and ignored what I had typed in the box as my complaint. I am not XXXX XXXX XXXX, XXXX XXXX XXXX and if they did their due diligence they would see that that is who the account owner 's name is. XXXX XXXX 's response does not show the name on the account that will clearly show the account is wrong.
Consumer complaint received 2022-02-21
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. (MI)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$73000.00XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Bankruptcy XXXX Dismissed XXXXr XXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed
Consumer complaint received 2024-02-13
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Fraud ( ID Thieft ) FTC report # XXXX XXXX XXXX, my identity was stolen twice while in XXXX XXXX, XXXX XXXX incident was report to my bank XXXX XXXX  in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX reports were filed with both Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Have disputed this several times with Credit Reporting Agency each time they state the same - Current : Completed investigation of FCRA dispute - consumer disagrees. 
Foreclosure proceedings started. Previous : Foreclosure proceedings started. 
XX/XX/XXXX to XX/XX/XXXX. Completed investigation of FCRA dispute - consumer disagrees. 
XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

Other : Company has never called or written regarding this debt which is not mine and is reported to have happened same time as ID XXXX in XXXX. Have called company several times and have been on hold for up to 3 hours
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA XXXX XXXX, XXXX, TN XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.
Consumer complaint received 2022-02-21
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 XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 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 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$17000.00}.
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion 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 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2024-02-13
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. (FL)

On day XXXX, i made a complaint through CFPB, case number " XXXX '' regarding innacurate and not correct information on my credit report, i received the answer from EXPERIAN and they did not do anything to solve the problem, accounts # XXXX, # XXXX and # XXXX are still in my credit report and affecting my personal record. 

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigate and lying on an offical document saying they did something they did not do and I have evidence to prove my case.
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 — Account information incorrect
Company: EQUIFAX, INC. (TN)

I disputed inaccurate and incomplete information regarding an account number. I also requested a description of the procedure used to determine the accuracy and completeness of the information from Equifax. I have not received it, and after 3 months Equifax is still reporting inaccurate and incomplete information. On XX/XX/2021 I received a response from Equifax stated the reinvestigation of a creditor was accurate. According to the FCRA, if I have requested how it was investigated, I am supposed to receive that information. 

XXXX  has been reporting companies on my file that violated the Hippa law and is reporting my medical information as proof of validation. 

XXXX, Equifax and XXXX  has inaccurate and incomplete information regarding account number. The numbers are covered with ****and according the to FRCA the account numbers should be full disclosure
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. Macy 's and XXXX accounts were open.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NC)

It took more than three weeks to get customer service to stop denying the existence of a XXXX wire so it could be credited it to my account. That was finally accomplished, but now I can not withdraw or trade the funds. They have stopped sending the confirmation emails that are necessary to execute transactions. Interestingly, I did get emails confirming submission of a new customer service ticket asking for help on this matter. So clearly, my email is not the problem. Only the emails related to my control of my account are not arriving. It is now a month since I have had control of my money. All I want to do is withdraw my funds, but I continue to be blocked. There has been no response to my email request for help for 4 days so far. Based on previous experience, it will take another month to work this out because they take an entire week to respond to each email, and customer service staff do not read what customers write in their emails. I am incurring significant opportunity cost in the form of lost profits. There are many complaints online about this company doing the same to other customers : not crediting wires, blocking account access, not sending emails for execution of transactions, refusing to respond to customers for weeks. Given that they are effectively and illegally holding their customers ' funds, they need to be investigated.