davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-31
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. (OH)

equifax violated my concent and privacy. us code 15 ch 41 sub ch 3 1681 ( a ) 3 and 4 1681 ( b ) 2
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I engaged with an XXXX account that I believed could help me make money off of cryptocurrency. The XXXX account was @ XXXX. We engaged in a conversation and I set up an initial investment of {$1000.00} with her. I used zelle, through my XXXX  checking account to send the initial transaction of XX/XX/XXXX to the email of XXXX, name on the account XXXX XXXX. The {$1000.00} investment was then sent to a account called XXXX. I saw the money grow very quickly and then proceeded to make 2 more transactions, a {$1000.00} each to XXXX. 

I then got a message saying that I needed to send another {$2000.00} to retrieve the money that I had gained. I also got an email from the XXXX about this. So sent the money thru Zelle once again. I then realized this was a scam and wasn't going to get my money back. I filed a police report with the XXXX XXXX Sherrifs department and an investigation report with XXXX bank. XXXX bank did their investigation and didn't find it valid.
Consumer complaint received 2022-04-14
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (MA)

I reported to you how Mr. Cooper was refusing to let me make payments following forbearance with my FHA loan. Thanks to you they accepted payments again. HOWEVER they reported late payments on my credit report and knocked my score way down- it was stated that choose forbearance through the pandemic it WOULD NOT BE REPORTED as late. That is exactly what they did however and now my credit, that I've worked hard to maintain, has been ruined. How is this company allowed to stay in business? I hear bad experiences from so many of their clients and they are clearly predatory!
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Service Company, INC (CO)

XXXX/2017 Credit Service Company , Inc. 
XXXX XXXX XXXX XXXX XXXX, CO XXXX Re : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Outstanding : {$350.00} Dear Sir/Madam : On XXXX/2017, I received a letter from you attempting to collect on the above referenced debt. 

On XXXX2017, all debts prior to XXXX/17 to XXXX XXXX XXXX XXXX were included in Chapter XXXX bankruptcy, case number XXXX, in U.S. Bankruptcy Court for the District of Colorado. 

I trust that you will update your records to show that this debt has been included in bankruptcy. I also trust you will notify all credit bureaus that this debt was included in bankruptcy, if applicable. 

Enclosed are a copy of my Notice of Bankruptcy Filing and 341 Meeting Notification. For further information, including the accounts listed in my creditor matrix/schedule of creditors please contact the court directly or view in PACER. 

As you know, any attempt to collect on a debt that is under automatic stay is in violation of both the Fair Debt Collection Practices Act and Bankruptcy Protection Law. 

Case number XXXX was discharged on XXXX/17 :  The discharge injunction is permanent, survives the bankruptcy case and is always applicable with respect to every debt that was discharged. 

Any further contact from you regarding collection of this debt will be brought to the attention of the bankruptcy court as evidence of your violation and I will exercise my right to bring suit against you and recover damages of {$1000.00} or more for each incident, as is my right. 

I thank you in advance for your help in clearing up this matter and I trust that you will not attempt to collect this debt again.
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-02
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. (NC)

I have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau XXXX, XXXX, Experian all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2022, I ordered a XXXX XXXX from XXXX website using my PayPalXXXX account for payment. Payment was made by PayPal to XXXX on the XXXX of XXXX. I have sent emails to the XXXX company and PayPalXXXX to indicate that I had not received the item, or even the shipment status, and was cancelling the order. PayPal responded that they would not refund me the payment and that I had to deal with the merchant. No response has been received from XXXX to date, XX/XX/2022.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

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 XXXXXXXX Account XXXX XXXX {$480.00} ; XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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. (LA)

I demand immediate, unequivocal evidence in the form of verifiable proof. I insist on being provided with an original consumer contract bearing my unmistakable signature for the account specified below. Your failure to comply with this demand is not only a blatant violation of your legal responsibilities, but it also directly undermines my ability to obtain credit. 
Let me be clear : unverifiable accounts, as clearly stated in the FCRA, must be promptly removed. If you are unable or unwilling to provide me with concrete evidence to substantiate the existence of the account in question, I expect nothing less than its immediate removal from my credit records. Failure to adhere to this demand will result in severe consequences, as I will not hesitate to pursue aggressive legal actions to ensure that my rights are fiercely defended, and that you are held personally accountable for your audacious and deliberate disregard for the law
Consumer complaint received 2022-08-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP (TX)

My wife and I both have XXXX accounts with Old National Bank. The funds have been invested in various mutual funds for several years. Earlier this month ( XXXX ) we became aware that Old National Bank is in the process of selling its XXXX business to XXXX XXXX XXXX with an expected closing in the XXXX Quarter of this year. We have no concern with this sale/transfer of our accounts EXCEPT that if the transfer means automatic liquidation of our funds with a subsequent transfer of cash to XXXX we will likely involuntarily be forced to accept investment losses. This is not acceptable. We saved for years and want to control as much as we can when to liquidate our investment holdings. 

On XX/XX/XXXX I informed Old National Bank of our concern using the secure message option on their website. They assigned a ticket number XXXX to our case. Today I see that our request was simply ignored ; " This ticket has been closed '' took place XX/XX/XXXX without any response whatsoever. 

We have not been able to locate any information about this sale on Old National Banks ' website.
Consumer complaint received 2023-06-24
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-04-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

While checking my credit report, I notice an account from Bank of America, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that Bank of America is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (PA)

On XX/XX/year>, I applied and was approved for a Citi AAdvantage Platinum Select Card. 
I was given a Temporary Card Number that did not work on online transactions, and I was not able to add the card to my XXXX XXXX. 
On XX/XX/year>, I received an email that said I will receive the card by XX/XX/year>. 
called Citi at the end of the day on XX/XX/year> and asked whether the card was shipped after I was approved and they said no. I requested a replacement and they refused expedited shipping, stating it will arrive in another 7-10 business days. 
I signed up for this card expecting time to make the necessary spend required for the AAdvantage miles sign up bonus. Now, it will be approximately ONE MONTH after getting approved for the card without any means to use it in order to meet the minimum spend requirement for the sign up bonus. 
Citi is not meeting their obligation to give me the credit I was approved for, and engaging in predatory practices by keeping the sign up bonus ( the incentive for why I applied for the card ) out of reach and refuses to take any action to remedy the card not arriving timely. 
I'm extremely disappointed with Citi 's service, lack of acknowledgement for the issue, lack of responsibilities to meet their own promise to customers for their products..
Consumer complaint received 2019-07-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OR)

I applied for a home equity loan with key bank about three weeks ago. They initially declined me for too much debt to income ratio. I spoke with their Mortgage Broker and it sounded like they made a mistake in that they specified that I would NOT be paying off the unsecured debt, which was not the case. The Mortgage Broker caught that mistake and she re-processed the loan application, specifying that we WOULD be paying off the unsecured debt with the equity loan. Another week and a half or so and they came back and said we're declined. The initial explanation was verbal from the Mortgage Broker. In  the verbal explanation was that our debt to income is still not sufficient. On XX/XX/19, I emailed the loan processor again asking for a better explanation in writing and I off-offhandedly speculated and asked " could it be that there somehow counting my dependents and some how discriminating against the size of my family. '' To my shock and surprise on XX/XX/XXXX she replied in an email saying my number of dependents is indeed a factor. I believe size of a family should not be used to discriminate against in applying for credit.
Consumer complaint received 2017-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (TX)

I disputed a debt on my credit report with Resident Collection for {$1200.00} with an open date XXXX XXXX, 2014 and it was deleted out of my XXXX credit file because the debt was n't mine well the company quickly put it back on my credit report using a different name but the same address the new name is Innovative Recovery Inc and they placed it in my XXXX credit report without notifying me of rights to dispute the debt before placing it in my credit file! They did n't give me a chance to dispute the debt or notice to dispute. Matter of fact I did n't know of this company until saw it on my credit report. It 's not my debt and they ca n't verify that it is so they are playing games by trying to use 2 different names with the same business address It was deleted from my XXXX credit file because it was n't my debt! I contacted the apartments from where the debt was supposedly originated and they said they have no record of me owning this debt and they fax a letter to verify that I did n't owe them anything at the time! So I do n't know how this collection is claiming I owe and the original creditor is saying I do n't!!! 
They are violating all kind of FCRA laws with these shenanigans! I want to explore the possibility of a class action lawsuit against them!
Consumer complaint received 2017-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX, I presented to bank of America, in person, my paid in full balance of XXXX for my student loans. It was received and accepted By a local branch manager in the city in which I lived, and they then in turn sent it to domestic collections in XXXX Texas as a final destination for my payments so that I may get credit for it. I then waited about 3 weeks and had not heard anything back from Bank of America at all, but I traced the payment that was sent overnight to their collections department and found that it was received on XXXX XXXX. As a follow up, on XXXX XXXX, I Then wrote the chief financial officer, XXXX XXXX, in their corporate center in XXXX and demanded I get a credit for my payment. In the letter I gave them two weeks from receipt to respond and to date have not received any correspondence in regards to my demand letter. In the demand letter I included the tracking info and copies of the documents that was received and accepted by the bank of America branch in my city.. 
Yesterday I spoke with my servicer, XXXX and they said they never received payment.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordence with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX