davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (NY)

on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.
Consumer complaint received 2022-04-04
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: American Credit Acceptance, LLC (CA)

I noticed on XX/XX/22 that my credit was run without my authorization. I reached out to the creditors and they refused to remove the inquries. I then contacted the credit reporting agencies ( CRAs ) XXXX and XXXX but they refused to remove these inquires as well.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Experian refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Experian Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated (TX)

XX/XX/XXXX To whom it may concern : Re Account number XXXX On XX/XX/XXXX, I pulled my credit report on XXXX  and discovered that this account was reporting as Included in Bankruptcy with a Transfer or Sold status. On XX/XX/XXXX I disputed this account with XXXX  in order to correct the Transferred or sold status notation. A Discharged debt can not be sold or transferred per the FCRA, and the US bankruptcy rules, and must reflect the correct account status, Included in bankruptcy. On XX/XX/XXXX, I was alerted that this account had an Updated status as Transferred or Sold, without any notation that is was discharged in bankruptcy. XXXX  stated that this account has been verified per my dispute according to XXXX. It was updated with erroneous information on my credit report, and the date of last active or last reported, did not change, which would indicate that the account was in dispute. Nor did the the account show it was under investigation. On XX/XX/XXXX that I sent a certified letter to XXXX XXXX XXXX XXXX, advising them of their disregard in reporting accurate information to the credit bureaus, and Demanded its correction and or Deletion :. As of XX/XX/XXXX, XXXX has not responded to any of my disputes or letters sent to them. This blatant disregard of the fair credit reporting act, is destroying my credit profile, and creating denials of new credit. This debt was discharged in Bankruptcy court on XX/XX/XXXX, and under the fair credit reporting act it must show accurate or be deleted in its entirety. XXXX  is reporting this account as Discharged in bankruptcy. The last active status matches my bankruptcy filing date as XX/XX/XXXX, but the account is showing a Date of last payment on XX/XX/XXXX, which is four years past my discharge date. This also falls under the same guidelines as above. XXXX, was served with the same court information as the other creditors in my petition, and are blatantly disregarding the Rules of bankruptcy. It is now my understanding that this account has been sold to a company named Unifund. Please note : Any collection attempt on a discharged debt is a violation of federal law.
Consumer complaint received 2019-03-20
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. (MI)

Over the last 4 to 5 weeks, my bank and I have been working with Equifax to get my credit report from them. After about the 7th call, they finally admitted to me that they deleted my information. I have sent legal documents of identification to them, had my creditor send them info again. Yet still, they claim I don't have credit.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COMMERCE BANK (IL)

At XXXX XXXX on XX/XX/2022, I deposited {$360.00} in cash at the ATM of Commerce Bank ( XXXX XXXX location ) in XXXX, IL. The bills I deposited were composed of the following 3x {XXXX}, 9x {XXXX}, 3x {XXXX}, 3x {XXXX}. When I deposited this money, the ATM " ate '' the money. I subsequently filed claim ( Case # XXXX ).
Consumer complaint received 2022-08-17
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. (CO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2019-04-12
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. (MS)

having a problem with transunion again, i asked them to changed my status from closed to open on my XXXX account because i still have the car to date.it went from transunion to XXXX, now its back to transunion and they are reporting a close account on my credit report and its damaging my score. if they don't correct it, i will take legal actions with them. 

please help me in this matter.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CO)

I sent a payment in the amount of {XXXX} to Barclays Bank for my Luxury Card XXXX XXXX. I have received from the paying bank an image showing the check was cashed on XX/XX/22. It has not been credited to my account. I notified Barclays over a week ago ( case # XXXX ). When I called for an update today, I was told it will take 60 days for them to resolve. This is unacceptable. They continue to report my balance due, without even providing a provisional credit to my account while they figure out where they made their mistake. I have sent to them - at their request - the electronic image showing the cashed check. I can only imagine what they would do or say if I was 60 days late on a payment, yet they do not seem to care when the situation is reversed.
Consumer complaint received 2022-02-02
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)

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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (CO)

On XX/XX/XXXX, FULL payment of the loan was paid via check. 
On XX/XX/XXXX, the over payment was issued via check to me and the account was closed AFTER I contacted them asking why nothing had happened with the account. 
On XX/XX/XXXX, I filed a dispute through XXXX  that the account was paid in full because I was trying to obtain financing for a vehicle purchase and was told that my debt to income ratio was too high because of this loan. 
On XX/XX/XXXX, Greensky told XXXX  that the account was NOT paid in full. 
On XX/XX/XXXX, I filed a second dispute through XXXX  that the account was paid in full AND uploaded documentation showing that it was paid. 
On XX/XX/XXXX, I contacted Greensky who confirmed that the account was paid in full and told me that they had told XXXX that it was paid in full but " XXXX   takes 30-60 days to update ''. XXXXOn XX/XX/XXXX, XXXX  received another denial from Greensky stating that the account was not paid in full and it was to remain on my credit report. 
And now ... I'm filing this complaint because no one should have to FIGHT to have their credit updated after paying off a balance.
Consumer complaint received 2019-04-12
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. (WI)

Although I have had a car loan, which I paid off. and a personal loan Equifax is not reporting them in my credit report which has effected my credit or the ability to receive loans
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Step 2 : What type of problem are you having? 
My due date is XXXX of XXXX my payment due is under {$30.00} I made a payment on XX/XX/XXXX for {$80.00} after being told by a best buy representative that the payment of {$150.00} was processed on XX/XX/XXXX but the payment of {$27.00} was due for XX/XX/XXXX. 

Step 3 : What happened? 

Upon calling the automated system XXXX I saw that a payment was still due for XX/XX/XXXX I called a rep of Citi cards that inforned me that the statement hadnt fallen when I made the XX/XX/XXXX payment and she would not be able to fix the system so that I wouldnt get a late fee. Upon speaking with a supervisor which very rudely explained that the new statement drops on XX/XX/XXXX but was unable to provide any understanding as to how the rep saw the statement/payment due before the statement dropped and very rudely herself pushed me to make a payment one day before it cycled as due. When I asked about the XXXX payment and why it hadnt gone toward XXXX, she answered in a very curt tone saying she knows nothing about how payments are accessed. I would need to call Citi bank Step 4 : What company is this complaint about? 
Best Buy/Citi bank
Consumer complaint received 2022-04-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our household uses BANK OF AMERICA. In the past we have only gotten fake emails, which we have always forwarded to spam @ at our bank. But today for the first time, we got a fake text message over our cell phone, the calling number was XXXX, the online check of this number shows it to be out of New York, but no other information. We are in California. The text claimed to be from BofA Fraud Dept., we do not have this cell phone number listed with our bank, only our main home phone number, which is a cell phone, but it does not take text or use internet. On reading about what can or should be reported to CFPB, lists anything to do with banks being one of the things on the list. We have no idea how on earth to forward this text message to the normally used BofA spam @ address, and we tried all the features we could figure out on our phone. So please at least use the bad guys phone number listed above to go after them the best you can, before they get a text through to some person that falls for the scam and is conned out of their life savings.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

- Chase doesn't provide my credit card statements for the period from XXXX, XXXX to XXXX, XXXX. 

- I started to request for the above-mentioned statements on XX/XX/XXXX. Since then, there were numerous phone calls with Chase credit card department and three lengthy discussions with a manager of the branch near me. Yet, Chase failed to provide those statements. 

The case number is XXXX for Chase internal inquiry. According to the manager, all the details should have been documented within the case file.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Yamaha Motor Finance Corporation USA (NV)

I opened my account with XXXX nearly XXXX. Unbeknownst to me, my account was transferred to XXXX/Yamaha. I contacted XXXX multiple times in XXXX to make a payment, in which when I finally got through, they told me to contact XXXX/Yamaha because XXXX no longer held my account. I tried on many occasions to communicate with XXXX/Yamaha but was unable to get through. The message I got was that they had a high volume of calls and to try again later. No option to leave a message. I am not sure if this was due to closures as a result of COVID-19 or not. All I can advise is it was impossible to get through. This account is now current/paid standing, yet I lost over 100 points to my FICO score due to lack of communication and mismanagement of my account by XXXX/ Yamaha XXXX Due to this, the late payment history needs to be corrected with each credit bureau to restore the good standing I had on my account.
Consumer complaint received 2018-06-17
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. (NY)

XXXX added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.
Consumer complaint received 2015-08-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation (ME)

My wife and I have been getting phone calls from XXXX. The caller says that they are a debt collector and want to verify that I am who they are trying to contact by giving them my SSAN. 

I did a reverse phone look-up on XXXX and the owner 's name is not available. So, I called XXXX and the answering machine claims I was call the Van Ru debt collection agency. 

Someone came on the line and wanted me to verify my name and phone number before he would tell me why I was calling. I asked if he had caller I.D . and he said yes. So, I told he knows who is calling him and I want to know why they were calling us. He said that he could not provide that information unless I gave him my social security number. 

So, I hung up and called the New Hampshire Attorney General 's Office who asked me to call the FTC at XXXX. I did and am filing a complaint. 

The New Hampshire Attorney General 's Office said that the Van Ru phone calls are a scam and that they are phishing for data. 

Here 's the kicker - I do n't owe anybody anything!
Consumer complaint received 2023-04-11
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (PA)

Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized XXXX inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit