davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
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: General Motors Financial Company, Inc. (IL)

I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX  refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX XXXX part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found a 30 days late payment being reported. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

Also, I see inconsistency and inaccuracy on the way it's being reported. How can one credit bureau say that I was late on XX/XX/2019 and the other say i was late on XX/XX/2019 for 30 days ... Which one is it? Please correct/update for errors, and send me the updated credit report.
Consumer complaint received 2020-09-14
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 have tried to call Experian to remove negativity from my credit report and can not get a live person on the phone so I have written Experian on more than one occasion to ask them to remove the UNTRUE REMARKS by XXXX XXXX XXXX from my credit report because I DID NOT AUTHORIZE THE CHARGES to my XXXX XXXX XXXX account and it is still showing on my credit report.
Consumer complaint received 2019-07-15
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: ID Analytics, Inc. (GA)

To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.
Consumer complaint received 2022-07-20
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. (IL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (UT)

Our mortgage is thru PNC, we have attempted to remove the PMI insurance repeatedly. According to the XXXX County board of equalization statement ( property taxes ) we receive yearly we have had the required 20 % equity in our home for over a year. 
We first contacted PNC by phone in XX/XX/2019, we were told that our account would be sent to the appropriate department. We never heard or received anything. 
We called again one month later ( XX/XX/2019 ) and the rep said that if we waited one month our PMI would automatically be removed as we would be at the required 20 %. 
When we called again now 2 months later ( XX/XX/2019 ), We were told that we were only at 18 % and if we we wanted to remove it we would then need to pay for an appraisal from their authorized people. At a cost of {$500.00} to us. This was the first time this was mentioned. 

We have the Property Market Evaluation and a Competitive Market Analysis ready for review.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: ASSOCIATED BANC-CORP (MD)

Hi, In early XXXX, I lost my wallet. I called Associated Bank and ask for them to overnight me a replacement card. Associated Bank told me I had to wait 7-10 business days. In the interim, I had a hold on my account. Associated Bank only has locations in Wisconsin, I live in Maryland, I could not go into a local branch. I waited 10 business days and I had no received the card. I called back and was told they forgot to order the card and it would be another 7-10 business days. I couldn't go 20 days without access to my money. consequently, I started an new account at a local bank. I asked associated bank if I could cancel my account without coming in to a local branch. I was told the only way was to bring the account to XXXX  balance. I transferred ( what I thought ) was all the funds in Associated Bank into the new account I started locally.my money to a new account.I thought I switched all my reoccurring withdraws to the new account. I forgot to switch my student loan payment to new account. The payment is due every month on the XXXX. On XX/XX/XXXX, my student loan payment went to Associated Bank and was denied and I was notified. I switched the account info for XXXX 's payment. I called Associated Bank to find out what happened in XXXX because I got the notice about XXXX 's payment. I was informed, I had accidentally left XXXX dollars in the account thus it was still open.they also told me that I owed the difference of the my student loan payment and a bunch of fees. the fees were nearly XXXX worth of charges. I explained to the representative the situation and that I would pay the difference plus {$35.00} dollar overdraft fee. The representative agreed. the next day I mailed a check to the address I was given. On XX/XX/2019 they cashed the check for {$220.00}. I explained to the representative that I wanted to have this account closed and sever my relationship with the bank. I wrote FINAL PAYMENT and Close Account on the MEMO line of the check. I called Associated Bank today, I was told I still owe {$47.00} dollars and the account can not be closed until they receive payment.
Consumer complaint received 2019-09-17
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. (FL)

Greetings, CFPB, and all military families and civilians, this is numerous complaints that I have sent to the CFPB, FTC, OFFICE OF THE COMPTROLLER and as well to the credit bureaus. 
This is my situation everyone, since no one is willing to help me with my serious complaints against this company XXXX  for their malpractices, abused, selling of my informations, reporting inaccurate informations on my credit report and having all of my personal information in the XXXX by their call center that is located in that country. I called in regards to that issue as well because I received a scam phone call from someone in the XXXX stating that they are calling me from the VA REGIONAL office in XXXX XXXX Florida to go over my XXXX claims, so I called the VA office to verify if they have offices in the XXXX helping veterans and they responded to me NO. So, the next day I went ahead and file a police report to safeguard myself. I also reported the incident to XXXX   and the rest of the bureaus. 
Now, today XX/XX/2019 at XXXX XXXX I called XXXX again the seventh time within a month time frame to find out what is going on with all 51 fraudulent inquiries showing on my report and as well for the legal letter I sent them on XX/XX/2019, they transfer me 6 times and every time I got an individual they took my information and says that I have to transfer you to another department, to a supervisor, to a supervisor in the fraud specialized team. Now, mind you I have been on the phone for 30 minutes waiting and being transfer to talk with someone that can really help me resolve my problems with this company. I finally got someone by the name of XXXX XXXX a supervisor on the specialized fraud team that was so rude, unprofessional, and just outright argumentative to my report, he kept saying that I have to wait for 30 days, my legal letter doesnt mean anything because by law the bureaus have 30 days to respond, so I told him sir I have been waiting for 120 days and all that transunion keep on responding to the CFPB is that I am a victim of fraud. 
Now, the CFPB says, that it will help consumer, however I need to know how I am being helped? Are they tired of receiving my complaints, do I need to contact my state representative, Congress to help me with this matter because it is completely unfair and unjust people. Anyone, that is reading my complaint please help or any suggestions that you may have in order to get my complaints for 120 plus days resolved. I had supposed to close on a home XX/XX/XXXX, however due to the inaccurate informations that XXXX  is reporting, my family will loose out on a roof over their head. I need help and that is why at times people take drastic measures because no one is willing
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NM)

CFPB Writeup : 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.I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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, But I do not recognize these account and a lot of them are showing up 2-6 times. I did not authorize or sign anything to have my credit pulled. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-07-17
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-17
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DEPT OF EDXXXX XXXXXXXXBalance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$0.00} ; DEPT OFEDXXXX XXXXXXXX Balance : {$0.00} ; DEPT OFED/XXXX XXXX Balance : {$0.00} ; DPT XXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT XXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-04-13
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)

There are 5 accounts showing up on my credit report that do not belong to me. These accounts were never opened or signed or used by me. I pulled my credit and noticed that these accounts are not mine and are appearing on my credit report and causing me great grief. I should not be responsible for someone else 's mistake. I have opened an FTC regarding this. 

XX/XX/XXXX
Consumer complaint received 2019-07-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

CIT Bank charged me $ XXXX for closing a CD ( 3 month interest fee ). They DID NOT notify me that my CD is expiring. The company claim that they send a mail but I never received it and never received any email either. The CD expire around XX/XX/2019 and today is XX/XX/2019. They say they are required to send notification but I never get any notification that my CD is expiring.
Consumer complaint received 2024-03-06
Product: Credit reporting 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 dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-09-29
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. (NY)

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires consumer reporting agencies ( CRAs ) to adopt reasonable procedures for gathering, maintaining, and distributing information. Transunion is not reporting my XXXX account on my credit report. XXXX is in good standing and Transunion refuses to add it back on my credit report.Transunion says i disputed my account in ERROR. I have spoken with fingerhut several times and they have stated that my account is being reported to transunion every month and that transunion should be reporting my payment history in me credit report. XXXX is NOT A FRAUD ACCOUNT. this is a honest account. STOP ADDING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. STOP SENDING DISPUTES TO OTHER CRA 'S WITHOUT MY PERMISSION. STOP SENDING FRAUD ALERTS TO OTHER CRA 'S WITHOUT MY PERMISSION. Please correct your ERROR and ADD my XXXX account back on my report. This is ILLEGAL and i will sue in my state if this error is not corrected.

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. ... The law is intended to protect consumers from misinformation being used against them. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.Consumer reporting agencies may not report outdated negative information.In most cases, a consumer reporting agency may not report negative information
Consumer complaint received 2019-01-05
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. (NC)

reviewing my credit report I noticed that there were many errors in the same one that is affecting me. Several names, open accounts that I do not know, requests for credit cards without my consent, hard consultations and soft consultations. For these reasons I was denied the opening of a business account.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

On XX/XX/2023, my cash app card was stolen. on XX/XX/2023 {$46.00} was withdrawn from an ATM fraudulently without my permission/authorization. The despite was denied 3 times finally I decided to go further and here we are.
Consumer complaint received 2019-07-15
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (CA)

Hello, I received a letter from McCarthy, Burgess and Wolff dated XX/XX/2017 stating that they would settle my past due debt for 90 % off of the full balance. Well that letter went into the mail a few days before XXXX, when most people are on vacation and out of town, so when I arrived back home, the expiration date of XX/XX/XXXX had passed by 1 day and I called to tell them this and they said tough despite only making me this offer over the one time of year when people are least likely to be home, especially someone my age. Then only one month later I received another letter for the same debt collector, but the debt had risen from {$3600.00} to {$5700.00}! How is this even possible in one month? They call me all the time and I've honestly been too scared to answer as Iv'e been using what little money I make to settle up other debts, trying to keep my life together. This debt is also for a school ( XXXX XXXX ) that was shut down by the federal government and lost all funding and credit, so my XXXX Student loans for the whole thing are also under investigation. It seems crazy that I should be forced to pay such outrageous money to an attorneys office for a school that doesn't even exist anymore.
Consumer complaint received 2019-07-15
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. (MD)

IpaidoffmyXXXXXXXXXXXXcreditcardthatpostedtomyaccountonXX/XX/2019.IcalledXXXXtoinquireaboutthecreditreportingupdateandtheysaidtheyonlyreportonthelastdayofthemonth.

XX/XX/2019Icalledagainasthebalancestilldidnotreflectthepayoff.XXXXstatedthatbecauseIhadpaidmidXXXX,itwaspossiblethatIdidn'tmakethereportingtimebutshouldbeokforXXXXreporting.Isubmitted2disputes,tryingtogetthemtoremovethehighbalanceASAP,asIamtryingtomakealargepurchase(e.g.,Car/home)EarlyXXXX,XXXXXXXXnotifiedmethatmybalancehadchanged.WhenIcheckedit,itshowedmypaymentof{$2400.00},whichhelpedmycreditscoretremendously.

Yesterday,XX/XX/19IgotaXXXXXXXXnotificationthatthe{$2400.00}wasmyXXXXcreditcardbalanceagain.

Today,XX/XX/19IcalledXXXXandspoketoXXXXwhostatedthattheyarereportingaXXXX$balancebutthatthecreditbureaushave30-60daystomakethechanges.Theyalsoprovidedmewithaletterstatingthattheywerereportingthe{$0.00}balance.

IalsocalledEquifaxandtriedtoexplainthesituationandthatthehistoricalbackgroundontheirdisputeresponseshowsthe{$2400.00}paymentonXX/XX/XXXXbutthatnowithasbeenreverted.Theirresponse?Thecompanyconfirmedtousthatthereportingdataisaccurate.NO,ITISNOT.

IkepttellingbothcompaniesthatIshouldnothavetowaitanother30-60daysbecausethereappearstobeaglitchsomewhereandsomeoneneedstolookoutsidethenormalreportingprocess.Otherwisetheywillbothkeeptellingmethesamething,monthaftermonth.IneedthisresolvedASAP.Thisoneinstancedroppedmycreditscore17points!TherepresentativeswereniceandtriedtobehelpfulbutIfeltliketheyknewaprocessandnothingoutsidetheprocesswasanoption.....butthereneedstobeoptionsbecausethisisnotanormalreportinghabit.

Equifaxhassubmittedyetanotherdisputeonmybehalf,whichisnotgoingtohelp.IFXXXXsaysthey'rereportingthe{$0.00}balance,andEquifaxissayingXXXXisreportingthe{$2400.00}balance,somethingisobviouslyincorrectandneedstoberesolvedasap.