davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (CA)

On XX/XX/21 I sent a copy of my FTC report because I have been a victim of identity theft. My information got in the wrong hands being that my data was compromised in the Equifax Data Breach. I feel like I'm being taken advantage of because my disputes are being ignored and the fraudulent accounts and inquires are still being reported on my credit report. This is ruining my changes with getting approved for a mortgage loan. The law states that fraudulent information should be blocked within 4 days of the dispute and it still shows. It has been about 60 days and Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2024-02-15
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. (FL)

I recently obtained my credit report and discovered fraudulent accounts listed on it. XXXX XXXX, the company, has faced numerous government court cases for alleged unlawful practices, resulting in losses for the company. As a victim, these accounts are now impeding my ability to access credit. Therefore, I kindly request the immediate removal of these fraudulent accounts from my report.
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. (NJ)

The credit bureaus stated my account was properly investigated but how is that possible if each credit bureau is reporting the following inaccurate information from this one account : * Date of Last Activity * Date Opened * Dispute Status * Account Status This is grounds for removal. 

Also, they violated my rights under : *15 U.S.C 1681 section 602A, which states I have the right to privacy XXXX15 U.S.C 1681 section 604A section 2, which states a consumer reporting agency can not furnish an account without my written instructions. 

My certified tracking for each bureau is as followed : Experian - tracking # XXXX XXXX  - tracking # XXXX Also, I sent a letter off to each credit bureau on XXXX XXXX to update my personal information on my credit report. My right to privacy to have old information taken off was my main agenda, as I only wanted 1 address on my credit profile. All followed, except Experian. On XXXX XXXX, Experian emailed me that my report was updated under report # XXXX. Unfortunately, multiple addresses are still being reported, even though I provided proof of my current address as instructed to do on their website. While they did remove XXXX old address ( XXXX XXXX XXXX ), they only removed the apartment number from a different address only ( XXXX XXXX XXXX ), which is not what I asked for. All my current accounts, have my current address. 

These are all CLEAR violations of my federally protected consumer rights
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion credit agencies had refused to remove an account on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Consumer complaint received 2021-08-26
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. XXXX replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
TRANSUNION IS ONLY ONE BUREAU who has refused to investigate and remove these fraud accounts from my report. 
1. This account resulted due to identity theft.

XXXX Account Number : XXXX Please remove this account from my credit report immediately!

2. The following account is not mine XXXX XXXX Account Number : XXXX  Please remove this account from my credit report immediately!

3. Validate Account XXXX Account Number : XXXX Please remove this account from my credit report immediately!

4. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX  Please remove this account from my credit report immediately!
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (TX)

Keep getting multiple calls from debit collectors and I keep blocking the number after I realize what they are calling about. Mainly since I know you never share information over the phone with anyone mainly if they claim to be a person from a company that hasnt received payment.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

I bought products off XXXXXXXX XXXX  website on XX/XX/XXXX for {$120.00}. I returned this purchase on XX/XX/XXXX and was supposedly credited {$120.00} on XX/XX/XXXX. However, I was never credited anything because my bank account was still charged {$260.00} when it should have been charged {$260.00} - {$120.00} = {$140.00}. I called them the first week of XXXX -- sorry, I forgot the date. The customer agent claimed he created a ticket of the issue. By the end of XXXX, the money had not been returned. I called them back on XX/XX/XXXX, and funnily enough on their end everything looks good because the account was " credited '' with the return, but it wasn't as they still charged me for that product. The agent again claimed to have created a ticket about my claim. It's now XX/XX/XXXX, and I have not heard back AT ALL. Not an email, not a call. I am done dealing with their ineptitude and non-action, and I want my money back.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

The week of XX/XX/XXXX, Bank of America failed to process a scheduled payment. They stated this was due to " insufficient funds, '' however, the attached image shows that I sustained a balance of over {$6000.00} for several days before and after the < {$500.00} payment was scheduled. However, Bank of America labelled this error as a " failed payment, '' froze my bill pay, and initiated collection proceedings without any visible attempt to research or correct their error. 

I called Bank of America the week of XX/XX/XXXX and spoke to a representative who apologized, stated she would unfreeze my bill pay, and submit requests to reverse any fees and interest charged, and correct any information sent to the credit bureau. 

I have spoken with two more representatives on the phone since who have also apologized, stated they would fix the error, and claimed to make a notation on my account so I would no longer be harassed by their collection proceedings. 

As of XX/XX/2019, however, Bank of America has still failed to reinstate my Bill Pay account or reverse any fees, interest or notations on my credit reports. I have attempted to reach out in writing four additional times, with no response. Bank of America has not sent me any paper bills or correspondence or other payment options, leaving me completely unable to pay.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

This car is reporting as a charge-off, and should be off my credit report or reporting 100 % on time payments with no charge off reporting. This car loan has been settled with XXXX XXXX as a unlawful repossession due to unknown charges through collateral protection insurance. I was given monetary compensation and was told by XXXX XXXX that this loan will be removed from my credit report or reported 100 % on time payments with the charge off status taking off.
Consumer complaint received 2021-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Since XX/XX/2021, I've attempted to do a short sale with my mortgage lender and they are still in the process of trying to foreclose on my home. I have been offered a short sale option on multiple occasions by PennyMac prior to actually applying and now that I've submitted all of the required paperwork, they refuse to review it. They've wasted tons of paper mailing me applications to apply for the short sale and are now telling me that the foreclosure auction date is too close for them to review my file when there wasn't even an auction date scheduled at the time that I initially applied in XXXX. They didn't decide to schedule a foreclosure date until after I submitted an application, which is a complete slap in the face to me as a struggling homeowner. Not only have I submitted a completed short sale application, but also an offer from a willing and able buyer and PennyMac won't even so much as tell me what are the minimum net proceeds that they'd be willing to accept as an offer. I'm so confused as to why they would offer me something just to refuse to allow me to apply for it. I fell behind after I lost my job over two years ago and I could not afford to catch up. Please help me get through to my mortgage lender because I should not have to go through this when I've done everything that's been asked of me to apply for the short sale.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. Transunion replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I got a copy of my credit report and i seen alot of inquiries i do not recognize, authorize or consent to. I don't know how they got there and i would like for them to be removed immediately please. Thank you
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MN)

Please access my attached statements for account number XXXX. On XX/XX/2021, I bought a product for {$490.00}. The product was electronic and did not work : it did not take a charge. 
I returned the product via U.S. Mail in a timely manner with tracking number XXXX. 
I was charged interest for the period I had the faulty product. I didnt think I should be charged interest for a product that never worked. I called Nordstrom Card Services, I was told that the bill would be adjusted. I then proceeded to get late charges. Throughout the summer. I called the credit department again and was told that the charges would be removed In my final conversation with Nordstroms credit in XXXX, I paid the balance, not in agreement with the charges, but to irradicate the negative reports to my credit report. 
I have always paid the balance of the credit card whenever there was a balance. 
In light of the circumstances, and my payment history to Nordstroms Credit, I am asking that the derogatory reports to the credit report be reversed and removed by you. 

Thank you for your attention to this matter.
Consumer complaint received 2021-08-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2021-12-15
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: National Credit Adjusters, LLC (TN)

I paid off a collection account and the collection agency will not remove it from my credit report. I've paid others and they removed those collection accounts. The last one was removed a couple weeks ago. This collection account is still on my report after I paid it a year ago.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX had in error added late charges to my account, when my account was zero balance and closed. They would not correct it. So, I filed a complaint with the New York State Department of Finance. Once New York State got involved, the balance was immediately adjusted to zero. But, XXXX continues to report to the credit bureau that I was late in paying for 3 months, while I was disputing the charges. They agreed with me when New York State got involved and made the balance as zero. But, why are they refusing to remove the 3 month delinquency when the charges were wrong and I did not owe them.
Consumer complaint received 2021-08-26
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. (FL)

I tried to fix the issue with XXXX, XXXX and Equifax. I sent them bunch of letters way back XXXX. According to USC 1695 and FCRA along with the FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the recent letters that was sent on XX/XX/XXXX, XX/XX/XXXX which I never received a response for. They are still contacting me and this are still showing on my credit report. I will sue them if they continue to report debt that is inaccurate.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX, I ask Transunion to dispute XXXX because they were reporting my account still having a balance of {$890.00}. I also contacted XXXX ( XXXX XXXX, XXXX ) and was sent a letter to show that my balance was XXXX. Transunion made the correction then put the information back on my credit report and is telling me I have to wait XXXX  days for them to investigate. I should not have to wait XXXX  days XXXX claim they sent the letter to them.
Consumer complaint received 2021-08-26
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. (FL)

I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX  has a fraudulent account on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
All fraudulent accounts need to be removed immediately.
Consumer complaint received 2021-12-15
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)

The incompetent credit reporting agency never answered CFPB XXXX. Specifically, I am entitled to a free mailed copy of my report based on : On or about XX/XX/2021 I was denied credit through XXXX XXXX XXXX, an Equifax disclosure report was utilized as per the proof in the inquiries section of the Equifax credit report. Attempted to call XXXX, the credit reporting agency makes it next to impossible to obtain a mailed paper copy of my report. I am XXXX, I do not leave the house, I want a paper copy. I already verified the denial of credit, my home mailing address matches the address of this complaint of : XXXX XXXX XXXX, XXXX, FL, XXXX.
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC