davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I spoke to a representative over the phone and was told that the account XXXX was under investigation again once I asked how was it " verified ''. The representative told me the account was being verified from the same exact agency that put the negative account on my consumer report. Congress knows that each reporting agency is supposed to abide by the laws of the fair credit reporting act. A real investigation pursuant section 611 is when the credit reporting agency interviews your family or neighbors and not the way they are illegally verifying information on the consumer. Transunion continues to break the law and do whatever they want. They must follow the laws of the FCRA. It's why congress put them there in the first place to protect the consumer. I demand Transunion to provide me all 3 things that section 604 of the fair credit reporting act says you must have if you're going to keep this on my credit report. If you can not provide I demand immediate deletion from my consumer report.
Consumer complaint received 2017-06-01
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. (MD)

I have tried on several different occassions to resolve this issue with the credit bureaus regarding   XXXX    accounts being reported on my credit report. There are  XXXX  accounts that are reporting as account settled less than full balance for   XXXX   XXXX   XXXX   however that information is not correct. I previously sent a letter to  XXXX  and they responded with a letter stating that the balance was settled in full. I forwarded a copy of this to all  XXXX  credit bureaus. However, instead of fixing this merely obvious error they just updated both accounts to reflect account meets FCRA requirements. Clearly this was lie and no verification was completed or the response would be different. I sent a previous complaint using this system and they denied the investigation stating the address I provided is not on file however that to is a lie!!! I have attached a copy of my printed credit report that has my address reflected. This company is attempting everything in its power to negate my request and violate my rights. FCRA states I must provide my identity by providing my social security number and I have done so. I will NOT provide any of my bank statements or personal identification to a 3rd party agency that I am not required by law to do so. The address I provided is listed on my credit report and an investigation must be completed!
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items are deleted to correct my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00}
Consumer complaint received 2023-09-07
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Yes I've been fighting with bank of America about this money since 2021 very tired of dealing with it and I would just like the money back they already ordered it in my favorite one time and they send a card out to a address that I don't even live at and that's not my fault so I'm still having to wait on my money even longer now they send me a check that is no good and I have to wait longer for it too as well I'm very disappointed and I think they should be investigated
Consumer complaint received 2022-07-06
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. (NV)

In accordance with the Fair Credit Reporting act XXXXXXXX Account has violated my rights XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 2023-06-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (NV)

on XXXX XXXX I called to tell upgrade to stop ach payments and they said no problem but to write a letter to verify which I did the same day. the ach payments did not stop and I filed XXXX  XXXX bankruptcy on XX/XX/XXXX which upgrade was notified and given the judges orders to cease collections. they did not. I called my bank and they stated upgrade had documents that they had my permission for ach even after I stopped that. they continued to take monthly payments until a reprimand on XX/XX/XXXX XXXX no one there knows what happened and XXXX  XXXX XXXX still says occasional attempts to correct the amount due are still being attempted. they were notified in XX/XX/XXXX and again XXXX XXXX they won't discuss the account further.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern, I have no more choice but to report it here. I want to make a complaint against Portfolio Recovery Associates and their act of abuse.

As far as I know, under the Fair Debt Collection Practices Act, 15USC 1692 g, Sec 809 ( a ) and ( b ), Debts collections should not contact people after they were told to " Please cease and desist all calls and contact with me immediately ''.

I believe it was one of the complaint here or in another site complaint. 

In addition, almost every month, they take control of all my credit reports ( XXXX, XXXX and XXXX ) by updating the balance and status which is hurting my credit scores ( Please see the attached ) when I have never contacted them so they are not authorize to update this information without my authorization or consent. 

In addition, they are not the original creditor and the date of the account was opened back in almost 7 years ( not on XXXX ) and this account is schedule by all credit reports to close by XX/XX/XXXX or schedule to be delete it by XX/XX/XXXX. 

This is a violation! 

I am including also letters PRA sent me after request to cease and desist that they still sending this letters to me. 

According to the FDCPA the court must award you not less than {$1000.00} in statutory damages for each violation.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The Capital One representatives claim they gave me {$560.00} to cover my debits and to make sure I had access to the full amount of {$1400.00}. stimulus on XX/XX/2021. That is incorrect. Capital One has never given any credit to make any of my deposits whole. According to the manager XXXX XXXX ( who refused to give his last name ) the false claim of credit Will be debited from my account on XX/XX/2021. The statement, letter and the description given to me by the initial representative XXXX and the manager XXXX is false, unproven,,,, negligent and predatory and incorrect. I need assistance to stoo this action and the predatory behavior by this national financial institution.
Consumer complaint received 2022-07-06
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 was a victim of identity theft through Bank of America. Someone opened a credit card with BofA in my name and then opened a linked Checking and Savings account. They used BofA credit card to transfer money to checking account and then to XXXX XXXX XXXX. I did not open any of these accounts. I have tried to resolve the issue with BofA for almost XXXX months now. Employees keep giving me conflicting information. I am told to do one thing and then transferred to another person that tells me something different. It is like no one really knows what they are doing. BofA also declined to approve my fraud claim because they said the money was transferred to an account in my name. This is how the fraud happened. But, when I call to speak to one cohesive department they tell me I can only speak to credit card department that is separate from Checking department. Both departments give me the run around. I have spent hours on hold and being transferred from department to department. I believe I am a victim of a new type of fraud, but BofA won't tell me why or how they let someone open XXXX linked accounts. Was it digitally or did they do it in person? I want to see the credit applications that were submitted but they are also giving me the runaround. They have been very difficult to deal with and now they are expecting me to pay over XXXX as a result of being a victim. The person submitted an incorrect birthday from what one BofA employee told me and therefore BofA is to blame for allowing someone access to so much money in my name. I don't know who else I can speak to to help me resolve this issue. I believe BofA is purposefully trying to make it so difficult so that I give up and just pay the money that was stolen.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (WA)

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.
Consumer complaint received 2023-06-25
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. (OH)

My credit report falsely has my dad 's account with XXXX  XXXX Bankruptcy attached to it because we have similar names. I've tried multiple times to ask one credit bureau called Experian to file a dispute to delete his account from my credit report. Over the course of the past 3 months Experian has been sending me emails saying the information I'm disputing has not been deleted as I requested but has been verified and updated. I asked Experian what can I do next, they just say there's nothing else you can do. Just refile a dispute and contact the creditor. I did both. I mailed a letter to the Creditor called XXXX XXXX XXXX XXXX, who my dad filed XXXX  XXXX bankruptcy with, and the mailing tracking system says they received it. And I refiled a dispute with Experian multiple times. They just send me back an email saying the account is verified and updated but not deleted. Now I just got an email back from XXXX XXXX saying that my credit has been decreased XXXX points. Apparently they thought I meant increase my dad 's balance and add it to my other accounts because XXXX and XXXX now are saying I'm delinquent on my payments for a XXXX  XXXX bankruptcy that I don't have. This is very serious for them to connect a XXXX  XXXX bankruptcy on my credit report and then refuse to try their hardest to do anything about it. Please help.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Firstsource Business Process Services, LLC (IN)

On XX/XX/2022 at XXXX p.m., I received a phone call from XXXX XXXX at First Source Advantage , LLC in regards to my wife 's XXXX card. They offered me a 50 % settlement, and I agreed. When she asked if there was anything else she could do at the end of the call, I made the comment ; " Nope, great to have yet another scummy debt collection agency off of my back. '' Her response was ; " Well, I'm glad you paid your bill. '' This constitutes a violation of 12 CFR Part 1006 Subsection 14 " Use of harassing, oppressive, or abusive conduct. ''
Consumer complaint received 2022-02-18
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. (NV)

Im reporting some inquiries on my credit report that was not authorized by me. 
XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. I sent a Debt Validation -609 letter to bureaus dated XX/XX/2022 for the inaccurate items listed under my account which is giving a negative impact on my credit report. I also mailed the Method of Verification -MOV Letter for ff up verification. 
It's more than 30 days and I haven't received any response from my previous letters. I believe it is my right that these derogatory accounts should be deleted due to inaccurate information reported under my account.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I've been disputing these incorrect items on my account for a long time, and the three credit bureaus and the creditor have yet to respond. On XX/XX/2022, I submitted a new dispute with the three agencies regarding various wrong items. Still, I had received no response after a month, and they refused to delete the inaccuracies from my credit report. These faulty items are still trying to collect the following amounts from me : {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inexact manner.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I've been disputing these inaccurate items on my account long before, and until now, no response from the three bureaus and creditors themselves. On XX/XX/2022, I filed a dispute again with the three bureaus concerning several incorrect items, but it had been a month already still got no response. They still trying to collect me with these amounts of {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inaccurate manner.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (OH)

I have had XXXX issues with Sofi bank they wont respond first was an incorrect disbursement of funds from the atm and they never re calculated the atm. I request XXXX and only receive a XXXX and they havent fixed this issue. Next was XXXX XXXX it has been over 23 days and still no provisional credit
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A Bank of America Pre-Paid Card was issued to me on behalf of the State Of XXXX Division of Child Support Services. This card was closed and any outstanding future payments owed to me were removed. 

I was notified on XX/XX/2021, by the State of XXXX, where I currently live, that the California State Controllers Office, Department for Unclaimed Property had been notified that Bank of America had unclaimed property, a cash balance of {$5500.00}, which had not been issued to me. 

In the letter issued by the State of XXXX, I was instructed to contact the business entity to claim my property. I contacted Bank of America to claim my property. They refused to assist me or provide me any claim forms so that I could collect the money they possessed that I am owed. I believe Bank of America is trying to block my attempts to collect the funds owed to me. 

I would like any assistance CFPB can provide to collect all funds owed me on any Pre-Paid, closed accounts held by Bank of America.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OR)

CHASE is reporting a balance from a charge-off account to XXXX that was settled. The account balance should be {$0.00} and the status settled to less than full. The account is reporting correctly to XXXX and XXXX.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

MY WALLET WAS STOLEN IN 2018. FRAUDULENT ACCOUNTS WERE OPEN IN MY NAME. THEY HAVE SINCE THEN BEEN CLEARED UP EXCEPT FOR XXXX XXXX. 

ALL THREE BUREAUS STOPPED REPORTING THE FRAUDULENT INFORMATION, NOW TRANSUNION HAS DECIDED TO REPORT THE FRAUDULENT XXXX FEDERAL REVOLVING ACCOUNT. 

THEY ARE REPORTING FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED IMMEADIATELY, PERMANENTLY.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have had inaccurate reporting on an  XXXX  charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquency  XXXX  '' and it has been dampening my  credit score . I working hard to buy my wife and daughter a new house but the home loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was   XXXX    report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on   XX/XX/XXXX  a nd these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CO)

3 issues. 1 ) they are unresponsive or extremely delayed in any attempt to get the PMI dropped. 2 ) they collect the escrow fees for insurance but did n't pay it and now I have a cancellation notice. 3 ) horrible customer service ... ..It is not right that a consumer is forced to work with whatever mortgage company buys our loan.