davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XXXX I contacted Equifax in regards to some hard inquiries that I had no knowledge of. I was bounced around several times ; even having to call back because of a couple disconnected calls, and representatives giving me different answers. By the FOURTH call, I was advised that Equifax is unable to remove my hard inquires and that I need to contact the lenders. I explained ( for the fourth time ) that the lenders kept sending me back to the credit bureaus and it's frustrating getting the run around. I even mentioned that XXXX and XXXX removed these hard inquiries and that Equifax is the only remaining bureau with these incorrect inquiries. I was then advised to send an email to FTC as well as to mail a letter to Equifax Information Services with a cover letter attached to explain what I am explaining now.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-08-27
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. (VA)

I applied for an auto 2 weeks ago and was informed that I had a delinquent judgement on two of credit reporting services. 
I do not have and I have not been notified of it. 
It doesnt even show the company name. 
The information is false and is hurting my ability to get any type of loan. 
Please help me resolve this Matter.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021, I submitted a complaint to the CFPB because I requested Experian to remove the dispute status that appears on the XXXX XXXX tradeline on my credit report. I am trying to refinance my mortgage and the lender REQUIRES the dispute be removed from the account in order to approve the refinance. I originally sent a letter on XX/XX/2021 to Experian to remove the dispute. Experian responded to my dispute by stating they are investigating the dispute when all I need is for them to remove the dispute so that my lender can approve my loan. It is ridiculous that Experian needs 90 days to remove a dispute. I NEED THE DISPUTE STATUS REMOVED FROM THE XXXX XXXX TRADELINE IMMEDIATELY IN ORDER TO CLOSE ON MY REFINANCE!!!! I am unable to get the benefit of a lower interest rate because Experian refuses to remove the dispute status on my request, it is my credit report!!!!
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had the same credit card for over 10 years with no annual membership fee. Now the credit card company snuck in a {$39.00} annual Membership fee without my knowledge. The fee did not appear on my statement but was hidden. I contacted the company and they can not fix this problem.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I previously filled a complaint. My complaint ID was XXXX. You closed my complaint after BOA answered but I have concerns with their response. I provided those questions in the feedback area but want to know if I need to start a new complaint to get my questions/concerns addressed. My questions are : 1.on XX/XX/XXXX I paid my {$510.00} regular payment and {$150.00} to principal. BOA applied {$610.00}. As my regular payment and {$50.00} to principal meaning you took interest on {$100.00} you should not have, correct? 

2. The interest charged by BOA went down steadily as the loan balance decreased, except for the months of XX/XX/XXXX and XX/XX/XXXX when the interest was higher. Why was the interest higher these months and not in line with the decreasing interest charged all other months 3. XXXX loan amt XXXX interest charged by BOA - XXXX XXXX total payments I made - XXXX XXXX paid to BOA by XXXX XXXX XXXX XXXX BOA paid me - XXXX. Why dont you owe me this?
Consumer complaint received 2021-08-27
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 am having a problem with Transunion and XXXX  method of removing a old or outdated derogatory information on my credit report that's harming my credit file. Acct XXXX, date. opened XX/XX/XXXX and XXXX says open date XX/XX/XXXX? balance {$6300.00}, past due {$6300.00}. date of last active XX/XX/XXXX and XXXX XX/XX/XXXX? 2. XXXX, date opened XX/XX/XXXX and XXXX  XX/XX/XXXX? balance XXXX past due {$5000.00}, last active XX/XX/XXXX and XXXX XX/XX/XXXX? 3. XXXX, date opened XX/XX/XXXX XXXX  XX/XX/XXXX? balance {$2600.00}, past due {$2600.00}, last active XX/XX/XXXX XXXX says XX/XX/XXXX? this is just a few I have 9 in total. How can this information from as late as XXXX, XXXX? How long does these items stay on my report? I see it says 7 yrs. It also says ALL INFOMATATION HAS TO BE 100 % ACCURATE. This is NOT. How does it has a Date of Last Active if in FACT if its been Charged off yrs ago? NOTE I explained all this to XXXX  and items was deleted. I do not understand this process with these two agencies. These are clear violations to my personal credit profile. I will upload my credit report to further explain what problems I am having. 
XXXX. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than XXXX XXXX XXXX. 
2. All information must 100 % accurate. 
This information is not accurate or reporting agencies may not report outdated infomation. 
THESE ARE CLEARI VIOLATIONS TO MY PERSONAL CREDIT PROFILE..
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I receive my weekly PU assistance for {$200.00} via Bank of America Debit Card ending XXXX On XX/XX/XXXX My available fund coming from Unemployment was {$480.00} was stolen by suspicious activity or fraud as the Bank told me and the was all stolen. 

I requested investigation by Bank of America Fraud department XXXX XXXX XXXX on XX/XX/XXXX. 

The Bank did not investigate truly, who did accessed my account through the ATM of XXXX XXXX Bank in XXXX XXXX, NJ. 
I have never given my card or ATM password for any person. It is always in my wallet and the password in my memory. The Bank and myself are the only people who know the account Number and Pass word. 

The Bank investigation resulted by informing me that they have reviewed my case and complaint and decided to close the complaint without any justification for their decision. 

The Bank of America refused to refund me with the stolen {$480.00} and every time I call them they put me on hold for a very long time refusing to answer my questions about who took my money, on the opposite they blocked my card account and sent me another 2 debit card, which they blocked the second one and activated the third last one, but still they play gimmick and drama not to answer my question and they do not return my money. I need your help please to investigate them and get me my money I receive for being unemployed senior citizen with XXXX.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (CA)

Idk why they closed my account but I had some funds on my acount that I wanted to cash out but when I try to do it its was declined because now the acccount was negative because they have charged me that I wanted to add money but it was declined. So they charged me and put my account in negative balance! 
And how Im going to put money in my account if they declined the transfer in order to charge me and put more negative balance
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Tromberg, Morris & Parnters, PLLC (VA)

I have lived outside of XXXX New Jersey for the last 5 years. I happened to receive a forwarded communication via mail at the end of XXXX. I contacted Tromberg , Morris & Poulin , PLLC as soon as I received the communication. 

I spoke to one of their associates and they asked me to email proof of address to XXXX which I did right away. I followed up with a call in XX/XX/2022. The representative was not very informative or friendly but assured me that the file was being closed. I asked for a supervisor and he placed me on a one hour hold and nobody came to the line. 

Upon checking the court records, the case has been defaulted and nobody is answering at this firm. I have reached out to them multiple times. 

They have file a suit out of jurisdiction and confirmed to me on the initial and secondary contact that they were fixing this issue and closing the account back to the issue for out of state to the creditor. Again, this has not happened and it is impacting me. 

Again, I do not live in the state of NJ and I have submitted proof.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

After requesting a permanent file freeze and suppression, " LexisNexis Risk Data Mgt , Inc. '' shared without my consent sold my credit report to 3rd parties. From understanding the continuing " SELL '' of my information/credentials that was collected without my consent to all 3 major credit bureaus is a violation of my consumer rights. For reference, my credit reports from XXXX XXXX XXXX all confirm that the information was furnished by a third party known as " LexisNexis. '' For several days and weeks, LexisNexis continue to ignore my calls and correspondence to address this issue that is negatively affecting my credit score. LexisNexis continue to furnish information publicly that IS NOT furnished by the courts to the credit bureaus. LexisNexis refuses to honor their letter confirming a freeze and suppression is active. Moreover, LexisNexis will not freeze nor suppress my files with accurate confirmation.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Holloway Credit Solutions (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. This is the 2nd time that I have reported these inaccurate accounts with the FTC
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I have a {$4800.00} credit with American Express that they owe me. Since the XXXX of XXXX I have been trying to get a refund so I can close my account. They said they could only issue a check A wire transfer directly to my bank would cost me. They supposedly issued a check on XXXX XXXX. I was told they would expedite it and should have by end of week. No check, called was told i got wrong info takes 5-7 business days. Waited still no check then told no 7-10 business days. Have still seen NO CHECK! called talked to a supervisor XXXX and he said he would initiate a wire transfer and expedite it so should see it in my bank no later than XXXX No money. Called yesterday the XXXX talked to a supervisor said it showed was initiated on Monday but would take 3-5 business days, lied to again! Told them that was not ok I needed my money, they expect theirs on time. Called today was told no supervisor available right then but she said she would call back in 1-2 hours. no call so called again then she was in a meeting ( after waiting another 2 hours. Just talked to XXXX who was XXXX finally talked to XXXX who said they just initiated the transfer yesterday! now again 3-5 days. This treatment is NOT ok. I pay XXXX $ per year and extreme high interest rate that even with an above XXXX credit refuse to lower. I have been extremely mistreated and LIED to time and again. Is this how they earn there money? I guess there stock holders and President don't care as long as they get there big dividends. Something should be done if you really care about the people you should care about. It is your job to protect the consumer
Consumer complaint received 2022-03-28
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. (GA)

I accordance with the Fair Credit Reporting act XXXX  Account XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have Citi XXXX Credit Card for more than 10  years. It is one of my starter credit card. However, Citi closed my XXXX Credit Card without notifying me via email nor phone call. Citi claimed there was a mail sent last XXXX but I have never really gotten one. The main request is that I still have lots XXXX points with this credit card and Citi refused to give my points to me after closing my credit card. My card number is XXXX.
Consumer complaint received 2019-08-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a line of Credit Account with Bank of America in Texas with XXXX balance and no mortgage on the house. 
With a line of credit, Bank of America mandates flood insurance. I was not aware my flood insurance policy lapsed, so Bank of America bought a flood insurance for me for {$3300.00}. Once aware that my flood insurance policy lapsed, I contacted my insurance carrier who sold me the flood insurance at market rate for a total of {$620.00} on XX/XX/2019 and effective XX/XX/2019. Once I informed Bank of America that I bought a flood insurance policy they charged me {$840.00} for approximately three months of coverage. 
I believe it is lone sharking rates to charge {$3300.00} for a market policy that is {$620.00}. The prorated three month was hundreds more than the entire year market policy charge. 
I am blessed to not need the line of credit ( which I have already cancelled ) but I would like other Texans to be aware of the inflated rates Bank of America charges because THEY CAN. 
Hopefully, Bank regulars will get involved to limit this lone sharking practice.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( XXXX XXXX XXXX )
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (OH)

XXXX THIS IS THE CASE NUMBER FROM PREVIOUS COMPLAINT HAVE MORE DOCUMENTS TO UPLOAD FOR MY ORIGINAL COMPLAINT NOW IT APPEARS DISCOVER IS STATING THEY NEVER RECEIVED THE ORIGINAL REQUEST FOR MY TAX RELEASE I AM A VICTIM OF IDENTITY THEFT AND ORGANIZED STALKING SINCE DAY ONE GOING ON XXXX IN XX/XX/2010 I HAVE BEEN TRYING TO EXPOSE THE CORRUPT AGENTS AND AGENCIES INVOLVED FOR THE LAST THREE YEARS YOU CAN XXXX  XXXX XXXX XXXX XXXX XXXX AND ORGANIZED STALKING FOR VALIDITY ITS AMAZING SINCE THEN ALL THE PROBLEMS I HAVE IDENTITY THEFT BOGUS ACCOUNTS GETTING DELETED AND PUT BACK ON NOW BEING VERIFIED EVEN BOGUS EMPLOYER T P TOOLS LAST TIME I TRIED HAVING THIS REMOVED ALSO BEING VERIFIED AND I CONTINUE TO HAVE TO PROVIDE DOCUMENTS SO BOGUS ACCOUNTS CAN BE MADE AND UPLOAD MY RECENTLY PROOF OF IDENTITY OR MAILED OR FAXED WHILE EVERYTHING NOW BEING REPORTED AS VERIFIED ALSO AMAZING SINCE TRYING TO EXPOSE THESE PSYCHOPATHS INVOLVED IN THIS DOMESTIC XXXX  PROGRAM I HAVE NOTHING BUT PROBLEMS WITH CREDITORS NOW DISCOVER IS STATING THEY DIDN'T RECEIVE MY RELEASE THAT I DID LIKE AFTER TWO DAYS OF RECEIVING IRS RELEASE TAX DOCUMENT SO IM UPLOADING MORE DOCUMENTS TO THE ABOVE MENTIONED COMPLAINT
Consumer complaint received 2018-03-29
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: EQUIFAX, INC. (FL)

XXXX XXXX/XXXX IS REPORTING MULTIPLE ACCOUNTS LATE THAT SHOULD NO LONGER APPEAR ON MY CREDIT REPORT. THESE ACCOUNTS HAVE BEEN DISPUTED MULTIPLE TIMES AND NOW THEY ARE PAST THE 7 YEAR TIME FRAME TO REPORT.
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (WA)

Sent a request form into XXXX XXXX XXXX XXXXXXXX XXXX for credit reports with the XXXX credit bureaus, I haven't received any reports to date. According to USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/XX/XXXX.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (LA)

OnXX/XX/2021, I was notified by an alert on XXXX that a collection was placed on my credit report. GC Services was the collector. I was NEVER contacted by GC services about a debt nor did I receive a dunning letter from the collection agency. This is a violation as they did not give me the right to dispute this debt. This collection needs to be removed from my credit report immediately. The collection agency does not even have my address. This is not my debt
Consumer complaint received 2023-06-18
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: EQUIFAX, INC. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that re.

from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 'he following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletions of these accounts!