davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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)

my mortgage company XXXX XXXX XXXX changed its name to XXXX  the XXXX XXXX XXXX name vanished from my credit file for 30 days, my credit score was XXXX then it took a dive to XXXX, and I lost critical points in the process. I know you are in the process of helping companies make money off of the taxpayers by keeping them in a low credit score bracket. doing this pandemic people are already in a low credit score bracket. if i wanted to refinance my home would have had to pay a higher interest rate because this credit score dived to XXXX i feel that my credit score should not have taken the dive, being protected under the fair credit act of XXXX - XXXX.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the four months from late XXXX to now, I spent about 100 hours calling the BOA Claim dept, faxed a total of +35 pages of evidence showing the initial impersonation is the crux. But all I got were hours of put-on hold, numerous runarounds. After 100 hours of effort, all BoA did was to close the claim while clear evidence of fraud is right there. Finally, after stating my experience on the BoA CEO, share holders XXXX XXXX, I was able to get their attention and resolved the issue. But it all came too late, other than the 100+ hours wasted, Without the access to the fund, I had to 1 ) cancel my trips back to XXXX XXXX help support my critically ill mother 2 ) borrow money to pay the taxes associated to the lost fund Now I am developing some serious mental health problem due to the stress and financial uncertainty. I often wakeup in a disturbed mind, feel very XXXX a lot of the times in these 4 months, am XXXX and unhappy about everyday I must deal with the fraud and the consequences of it. The emotional instability is something Ive never experienced in my whole life and is unbearable. Im now trying hard to get back my normal life and believe that BoA is liable for causing my emotional distress. BoA is negligent/irresponsible carrying out its duty protecting peoples money, be specific, lack of 2nd verification mechanism in the EDD prepaid card account, caused the fraudster successfully took over my account. Then BoA was deliberately ignoring the evidence I provided and insisted no error was found on my account multiple times. While being a detective myself to find the evidence, I have to doubt BoA was intentional ignoring my evidence.
Consumer complaint received 2022-05-18
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. (TX)

FCRA violations : inquires not mine FACTUAL DATA Inquired on XX/XX/XXXX On record until XXXX XXXX CERTIFIED CREDIT REPORTI Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative XXXX XXXX XX/XX/XXXX XXXX {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$1.00} XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4100.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. $ XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 


FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed.
Consumer complaint received 2022-05-19
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. (KS)

I HAVE DISPUTED WITH TRANSUNION AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES. TRANSUNION AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

I received a phone call on my cell phone on XX/XX/2022 that had my bank 's logo ( US Bank ) and their phone number. I was scammed out of {$5500.00}. I have attached a detailed description of what happened. I contacted the bank immediately at XXXX am the following morning to file the report. I've filed a report with the police department, and contacted my local bank branch again on XX/XX/2022. They stated they would re-open the claim and I've heard nothing of what has happened with it. Once I received the attached letters I called to ask for the documents used in the investigation and the gal on the phone told me they wouldn't provide me any personal information, and they have yet to send me any investigative documents at all.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (TX)

CKS Prime Investments did not contact me about the alleged debt collection they placed on my credit report with the 3 credit bureaus ( XXXX, XXXX, and XXXX ). I did not receive any notice from them that would allow me to dispute the debt in question and though I have tried to contact them I've noticed recently, after reviewing my credit reports from XXXX, XXXX, and XXXX, that the address on file with each reporting agency is different. This is a clear violation of my rights as a consumer.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

CFPB STATEMENT Im writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I am writing to dispute the fraudulent items from my credit report. This account that is listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax and XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

Thursday, XXXX XXXX, 2019 Completed and signed authorization to release my credit report from Experian to XXXX XXXX. 

Friday, XX/XX/2019 Received the following e-mail from Experian Hello XXXX XXXX, XXXX XXXX has invited you to join Experian Connect and view your credit report and score securely. 

To respond to this invitation, please click here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and be sure to use this email address. 

Here is a personal message from XXXX XXXX : I would like to view your credit report by using Experian Connect XXXX XXXX XXXX  XXXX XXXX Contacted Experian via phone to release my credit report to XXXX XXXX at XXXX   XXXX. I was informed that there were no restrictions to view the report. 

Monday, XX/XX/2019 Received a 2nd e-mail from Experian Hello, For security reasons, Experian Connect will not allow you to use this service if there is a fraud alert or a security freeze on your file. We apologize for any inconvenience this may cause. You will have to remove the fraud alert or freeze from your Experian credit report before you can register for this service. You can call XXXX and a live representative will be able to assist you with the removal process. Once the alert or freeze is removed you must wait at least 72 hours from your last registration attempt before you can try again. 

If you are interested in getting a copy of your credit report you can visit XXXX where you receive one free credit report per year. You can also send a written request to Experian, XXXX XXXX XXXX / XXXX, TX XXXX. 

Thank You, Experian Connect Support I completed the application to view the Experian credit report at XXXX, but was denied access. 

I called Experian on three ( 3 ) separate occasions to request an immediate copy of my credit report and was denied. I was informed the credit report will be available in 7 to 10 days. 

I informed Experian I was unemployed and needed an immediate copy sent to XXXX XXXX, and that I couldn't wait 7 to 10 days, and was denied immediate access to my credit report.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MI)

items that was deleted due to proven identity theft have been reinserted onto my credit report for the second time after being transferred back and fourth betweent he same XXXX companies. i also asked in writing for fraud alerts to be removed and they never removed them
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (VA)

Account was closed back in XXXX. Company was still charging a small monthly fee of {$2.00} and because I was unaware of the fee they charged me a late fee. The late fee was reversed on my account and the account was paid in full. I am not sure why I still have a balance with this company as I should not. I have attached a letter stating that the late fee was reversed.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted XXXX XXXX and all three credit locations to inform them that this account is settled with XXXX XXXX. I have provided documentation to show that this account is settled.
Consumer complaint received 2022-05-18
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. (MO)

XXXX XXXX shows incorrect information on my Transunion and XXXX reports. On my Student Loans they show I have XXXX Loans but I only have XXXX loans which I verfied on XXXX. Both agencies have the same loan on my report 3x. I have filed a dispute more then once regarding such yet it is still not accurate. Also some of. the Student Loans are XXXX XXXX XXXX and still showing on my report as a negative mark. Yet my reports show my oldest account only being 5 months old. Therefore ensuring said accounts only hurt my score. Also my score has been brought down over 35 points since XXXX due to none payments on my Student Loans. Yet all student loans have been placed on hold since XX/XX/XXXX of XXXX and continue till XX/XX/XXXX, which is still three months away. When they failed to correct such through the online disputes I attempted to contact the agencies via telephone. During the call I was informed the call may be recorded on their end yet when I informed the agencie I was also recording even though in my State of Missouri I did not have to, they refused to speak with me and hung up on me.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX, is also reporting multiple loans as XXXX XXXX past due and these loans are older than XXXX  years. At no time, have I ever had any written correspondence XXXX XXXX XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Company states i XXXX XXXX wS the co-signer on the original contract @ the time my credit score was very low and i was told i needed a co-signer by XXXX XXXX XXXX, so XXXX XXXX co-signed on the contract!! i was also told that XXXX XXXX required a down payment as stated in the contract truth and lending disclosure box # 5 the contract has wet signatures in wrong location without our knowledge which caused hardship on me XXXX XXXX each box has a different amount why is that this contract is fraudulent as i have stated to XXXX XXXX along with the CEO XXXX XXXX was made aware as well according to FCRA 15 usc 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX months reported on my credit profile thru Equifax XXXX XXXX sent a letter to Ceo XXXX XXXX stating he was the co-signer on the contract cfpb im asking you to investigate further into this matter
Consumer complaint received 2022-05-18
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  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 a account without my written instructions.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (NC)

I have attempted to contact Lendmark several times attempting to address this loan ; however they are unable to locate or provide any information concerning this loan that they are reporting on both credit report. I would like this information deleted and removed from my reports as they are not able to locate and provide needed information concerning this account. I have spoken to supervisors who never called me back to provide any updates on account to see if it was found.
Consumer complaint received 2022-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (WI)

Over the last year, we received invoices for amounts due to Speedy XXXX. The invoice stated that my husband, XXXX XXXX, took out a XXXX XXXX in XXXX for {$350.00} at 359.006 % interest and now {$780.00} was due in full. We assumed this was a hoax as he never took out a loan from Speedy XXXX. We have now received a letter from XXXX XXXX XXXX out of XXXX IL dated XX/XX/XXXX starting that this was a verification of debt. The original creditor is listed as " SCIL , INC D/B/A SPEEDY CASH ''. The creditor 's account number is listed as XXXX with a date of opening as XX/XX/XXXX. 

This loan is not legitimate. A loan was never taken out from this lender by XXXX XXXX. The amount will not be paid for a loan never legitimately taken out. 

Please help. This just recently is now being reported on our credit report.
Consumer complaint received 2022-05-18
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: NAVY FEDERAL CREDIT UNION (FL)

On Monday, XX/XX/2022, I was shopping for student loan refinance rates. Many lenders will provide refinance quotes without doing a hard credit inquiry. I was trying to determine if Navy Federal did the same. After finding an article published by Navy Federal at this url, XXXX XXXX XXXX I felt secure in obtaining refinance quotes from Navy Federal without them conducting a hard credit inquiry. I thought, " Surely Navy Federal wouldn't publish an article that states that it is a myth that getting a refinance quote hurts your credit score and then conduct a hard inquiry when someone applies to them for refinancing quotes. '' I hit " Apply Now '' on their student loan refinancing webpage and entered estimates of my income and assets and then was presented with rates subject to change based on a complete credit application/pull. I did not move forward with any of the quoted rates or with this so-called " application. '' It turns out, Navy Federal did conduct a hard inquiry. 

The terms I agreed to when I submitted this " application '' authorized Navy Federal and/or their third-party vendor ( XXXX ) to obtain a personal credit profile from a credit bureau '' for `` credit pre-authorization. " The article published by Navy Federal is extremely deceptive. As are the terms I agreed to in obtaining refinance quotes because " pre-qualification '' does not translate to a hard credit inquiry in the general and logical sense. This language is ambiguous and should be construed against the drafter of these terms.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax Is putting information on my Consumer profile that I didn't Authorize and that is illegal As I stated in the paperwork that I have submitted previously I have asked for a proper Investigation of where the information came from and they have yet to provide that or anything to me and I have proof the the courts says they did not share any information like that to any credit Reporting agency so where's this illegal information coming from
Consumer complaint received 2022-05-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hi, I am a victim of Identity theft, somebody withdrawing money from my XXXX  checking accounts, so I froze them. I gave a complaint to FTC.gov and also a police complaint. 

On XX/XX/22 and XX/XX/22 I received XXXX  letters from Citizens bank. It appears somebody got into my dormant savings account using my SSN and presented XXXX counterfeit XXXX checks with forged signature ( {$5000.00} and {$2500.00} ). As I already froze that account, those checks returned back. That impersonator withdrew {$1000.00} even before the checks were returned. So my account went to a negative balance of $ XXXX XXXX x {$20.00} return check fees. Prior to this incident, this account only has XXXX cents and it has been dormant for a long time. 

I immediately called Citizens account and reported about this fraud. Later as there was no response, I called multiple times and always they mentioned that somebody from claims department will reach out for me in 1-2 business days. No one ever called back and made multiple calls and it was the same answer all the time. They mentioned that there is no direct line to Fraud department. 

On XX/XX/XXXX, they sent me a letter stating that they are closing the claim as per my request. I went to a local branch and mentioned about this and they mentioned that they will talk to regional manager. On XX/XX/XXXXbranch manager told me that they are helpless as the claim is closed and that deficit in the account is my responsibility.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account number # # # # # # XXXX, XXXX XXXX XXXX account number 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 a account without my written instructions
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC did not contact me about the alleged debt that they placed for collection on my credit report with the XXXX credit bureaus ( XXXX, XXXX, and XXXX ). I did not receive any notice from them that would allow me to dispute the debt in question and though I have tried to contact them I've noticed recently, after reviewing my credit reports from XXXX, XXXX, and XXXX, that the address on file with each reporting agency is different. This is a clear violation of my rights as a consumer.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KY)

Equifax sent my free credit report to wrong address after I verified my correct address with them. They are trying to charge me {$7.00} to resend it. I have been a victim of identity theft and this is unacceptable because I need to dispute inaccuracies off my credit report.