davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is obviously a XXXX and XXXX company. They have all these business suits working and can't figure out. They sent me a " new '' replacement credit card. The credit card does not have a plastic lining, and is very thin. The Waitress and customer service people who scan my cards, can easily break them and have also been complaining about the Bank of America cards. The card stains, and smoulders since its so thin and has no plastic cover. Nice thin and non plastic greasy credit. They are obviously XXXX and don't like XXXX XXXX   customers. Why are they sending new credit cards like this?
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXX and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Consumer complaint received 2019-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RENASANT CORPORATION (NC)

Renasant bank Misrepresented to a major credit reporting agency ( XXXX ) on at least three separate dates including XX/XX/2019, XX/XX/2019, and XX/XX/2019, that account number XXXX is a true and accurate account that belongs to me. The representation that XXXX is an account that I have contractual agreement is false. I have neither signed nor authorized my signature for any such contract bearing the account number XXXX. I have advised XXXX and all other credit reporting agencies that this account is fraudulent and related accounts were a result of identity theft. Your company has never provided any contract nor can provide any contract bearing this account number but have represented to the XXXX that one does exist. This is an act of fraud on the part of renasant bank and repeated false verifications of account number XXXX as an account initiated and authorized by me is false. This is also a collection attempt on a fraudulent account for your company in which I have no relationship with. 
Prior to this bank sending these false verifications and updates I have mailed letters demanding all original copies of any paperwork bearing the account numberXXXX be provided along with other information about this fraudulent account be provided as well as action to be taken in accordance to 15 U.S.C. 1681 et seq / fcra section 609 et seq. These requests were  mailed via usps on XX/XX/2019 XX/XX/2019 and XX/XX/2019 to XXXX XXXX XXXX in XXXX Mississippi ; Renasant bank has not responded and has refused to comply. Updated information has been provided with this report I can also provide information regarding previous mailings.
Consumer complaint received 2021-02-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

My husband & I started the refinance process in XX/XX/2020 with Amerisave. We paid the {$500.00} application fee immediately to start the process -- - We started the process with XXXX XXXX he was pleasant and quick to respond. We got all information to him and he moved us to XXXX XXXX ( processor ) since late XXXX of 2020. We have submitted our banking info 3 times because it is expiring because the process is taking so long. My credit has been run 2 times ( the 2nd time I got an email from XXXX asking to re do it and I said i would prefer not to- but it done by someone anyway. The appraiser has been out as of today 4 times because the process has taken so long. I can never get honest or transparent information from XXXX XXXX and she always blames the underwriter or someone else- it was the appraisers fault today that we are needed another appraisal. XXXX for a refinance is absurd. We have been so patient but are exhausted and so very frustrated and sad that during a pandemic I have had to welcome a stranger in my home 3/4 times for appraisals.
Consumer complaint received 2020-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently learned that my personal information was used to open an accounts. I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report. TRANSUNION DO NOT WANT TO REMOVE THEM I GAVE TRANSUNION A XXXX POLICE REPORT AND TRANSUNION STILL DON'T REMOVE THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Opened : XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Opened : XX/XX/XXXX {$1200.00} XXXX / XXXX Opened : XX/XX/XXXX {$9100.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$1200.00} XXXX XXXX XXXX. XXXX  XXXX XXXX, OR XXXX XXXX Opened : XX/XX/XXXX {$0.00}
Consumer complaint received 2020-02-07
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 recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2017-05-26
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. (NY)

I opened a personal loan with  XXXX   XXXX   XXXX  in early  2017.   I reviewed my credit reports earlier and noticed that  XXXX   XXXX  listed    XXXX   separ ate accounts on my  XXXX  and   XXXX   credit reports.  One of the accoun t listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wan t   XXXX   account s listed on my credit report.
Consumer complaint received 2019-06-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax did not do any investigation into this matter they just forwarded the dispute to the creditors and ignored my identiy theft package and the fact that I am a Identity theft victim these account should have been blocked. At this point I have no choice but to file a law suit against Equifax because there treating this matter like it is a frivolous dispute. and just taking the electronic pdate from the that informationis true and accurate. FCRA states in section 605B that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any  transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 )  that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
and Ihave send in a complete Identiy Theft package on number of occasions.only to have it ingnored
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute the negative items listed on my credit report. Upon reviewing my report, I have identified several inaccurate and misleading pieces of information that have contributed to my low credit score. I request that you investigate and correct the following items in accordance with the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report immediately. 

MEDICAL Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report. 

XXXX XXXXXXXX XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ). 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ). 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

The following personal information is incorrect : Account Number : XXXXXXXX XXXX- Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so. 

I expect your prompt response and investigation of these matters, in accordance with FCRA Section 611 ( a ) ( 2 ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/XXXX My information was used, did not allow my information to be shared, theres no open account XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX My information was used, did not allow my information to be shared, theres no open account XX/XX/XXXX Jpmcb My information was used, did not allow my information to be shared, theres no open account
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Have filed a couple of complaints on equifax reporting incorrect info, they send me an e-mail the complaint is closed, they give me an access number, when i try to read it access is denied, i call speak to cust service, person speaks very poor english, she asks me many questions and does not understand, i ask for a supervisor, put on hold no body picks up can not get any answers.
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY bought the Debt from XXXX XXXX as of last year for two cards in the total amount of {$3200.00} one card is for {$1200.00} and the other capital one card is for {$2000.00} although the debt is nearly 3 1/2 years old. I didn't receive any documentation of my right to dispute or any paperwork for that matter. The next thing I know they're trying to take me for court and they didn't have an amount and no information specifically underlying my " case ''. I do not like the fact that this company is trying to bully me into paying a debt that I do not mind paying but using hostile tactics from a loan that they just bought from XXXX XXXX in XXXX and the debt pre-dates XXXX. ( Default of loans in XXXX ). This new loan has affected my credit score because it makes it looks as though my debt is brand new and it's not. I would like all reports from Portfolio Recovery to be removed since it's not from the original company ( XXXX XXXX ). I understand that Portfolio Recovery Soon after they first contact you, the debt collector is required to notify you of your right to dispute the validity of the debt. Then, you have 30 days to send a debt validation letter requesting proof that the debt is yours. After receiving your letter, the collector must stop collection activity until theyve sent the proof. Portfolio Recovery did no such thing. I never received that nor did I know that I have a window of time to dispute it. I understand that each state and rules may vary but my concern is that these loans will continue to be rebought over and over, as they continue to not only break the rules and keep me in the dark but hurt my credit and lively hood as well. I would like to come to some kind of peacful resolution.
Consumer complaint received 2020-09-15
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. (IL)

Experian and XXXX  are fraudulent on my credit XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # XXXX.
Consumer complaint received 2023-03-20
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. (FL)

VIOLATION OF FCRA VIOLATION OF FCRA VIOLATION FCRA 15 U.S. Code 1681i Hey good day the credit bureaus has Exceeded the 30 days to do an full and thorough investigation on the inaccurate information being reported on my credit report the bureau failed to provide the full information on the investigation of the inaccurate accounts along with the contract agreements with my signature and proof that the inaccurate accounts being reported belongs to me. ( Account listed below ) : Inaccurate Accounts : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX Account number : XXXX THIS IS AN VIOLATION UNDER THE FCRA AND DEMAND THAT THE TWO BUREAUS REMOVED THE INACCURATE ACCOUNTS OFF OF MY ACCOUNTS IMMEDIATELY THERE VIOLATING THE LAW 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX
Consumer complaint received 2022-08-15
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. (PA)

I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I claimed XXXX XXXX bankruptcy in XX/XX/XXXX. I excluded my mortgage and continued to pay on my mortgage which Im current with through todays date XX/XX/XXXX. The mortgage company is failing to report my current payments to the credit bureaus and have not reported any payments since XX/XX/XXXX. They claim that my bankruptcy attorney never filed a reinstatement agreement and therefore its the lawyers fault. Regardless I have been making timely payments for the last two years and its not fair that my family is being harmed when current payments are being made. They should be reported to the credit bureaus so my credit reflects my mortgage. They send me mortgage statements every month and I pay on time. Theres no reason its going unreported. My fico score can not go up because my mortgage is not reflected even though Im current on all payments. Please help!
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

I showed up to carhop In XXXX WA, they could see I was desperate for a car after they pulled a beaten switch on me with a couple different vehicles? They finally got to the one and only vehicle they would offer me which was a XXXX XXXX XXXX with obvious rust damage throughout the whole car massive amounts of dog hair all throughout the seats, filthy dirty, never was detailed not even cleaned., we all have a choice however I was in a XXXX XXXX need for a vehicle. They told me I couldnt get a nicer vehicle that actually cost the same or less as this one they charged me over {$13000.00} with terrible interest rate out the door for this Lemmon, that had mechanical problems from day one I called him, informed them as they tell me to do they give me a number and name to a mechanic that use for customers problems only for me to call never to be able to get through to somebody, and when I finally was able to, they were not only days or weeks out of an appointment they were months out! Mechanical problems became worse with this car. The rust was getting bad. There was black mold throughout the car and to make matters worse when I was doing the financing I said, what about insurance? They told me. We do not care if you get insurance one way or another so I naturally put that off, however? I did say. I 100 percent t need GAP insurance! That they refused and they said they dont do that I have to pay for that elsewhere? Since then the car was stolen and I got a phone call from the towing company where I went to retrieve my belongings out of the car that were still left that were not stolen for me and the car was completely wrecked and its still in the XXXXXXXX XXXX XXXX in XXXX Washington wrecking up Payments owed the car was stolen from me. I called the XXXX police gave them a report. Nothing came of it and said Im not gon na pay for this car. They keep calling me to make payments on the first three months I was late on my payments, but made the payments after that I made 3 to 4 more payments on time every time as soon as it was due now Im going on two months late I think 37 days to be exact? I need out of this lemon they charged me over {$13000.00} for this car thats not even worth {$1500.00}. I need to get a new vehicle but I cant do anything with this on my credit. They want to help me pay it lower amount to charge it off paid off? But Im not gon na do that they have gotten more than what its worth through my payments. Theyre not getting another dime for this car no matter what. They used bait and switch tactics they used a price change tactic where they had a sticker price and then they told me the real price? The sticker price was {$2500.00} and then they told me it was a mistake it was really {$13000.00} give me a break? Total scam artist beware please help me out of this.