davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
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. (NC)

I had sought to have some erroneous reporting on my credit report corrected. It's a simple error but has an undue impact on my credit report. I tried every number I could locate to try and speak with a live customer representative. Every number I tried gave the same recorded answering message instructing you to give the action you are requesting. Could not get past any of them although the info I gave was correct. I then proceeded to try an file my dispute on their online dispute center. I could not get past giving my correct physical address even though the info they had is correct. 
This company holds too much power over us to not try an give correct info on their credit reports. I know that at first glance this may seem like a trivial complaint, but I hope you can relate to it. Our very lives are affected by our credit reports and they XXXX well should be held accountable. 
Thank you, XXXX XXXX
Consumer complaint received 2020-06-05
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: Experian Information Solutions Inc. (MI)

On XXXX XXXX I contacted experian in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My phone was stolen morning of XX/XX/2022 and the thief downloaded an XXXX XXXX in my name. I have already filed a complaint with XXXX XXXX specialists that the card opened was fraudulent and that the charges incurred ( ~ {$4000.00} ) were also fraudulent. The thief also made fraudulent trades on my XXXX account, but nothing was withdrawn.
Consumer complaint received 2018-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was victim of Transunion inquiry issue. I have inquires on my report that are not valid. I contacted Transunion multiple times and constantly was hung up on and finally asked to speak with a supervisor who did not speak good English and ended up saying they could not help me out. Below are list of inquiries that are not suppose to be on my report due to their mishap. 

XXXX XXXX- inquiry form XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX/XXXX  - inquiry from XX/XX/2018 XXXX XXXX XXXX inquiry from XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX - inquiry from XX/XX/2018 XXXX - inquiry from XX/XX/2018 XX/XX/2018
Consumer complaint received 2024-03-04
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. (MD)

On XX/XX/2024 I requested an investigation into items that I believed were inaccurate and knowingly reported in a letter to you dated XX/XX/2024. This letter serves as a formal complaint regarding your submission of incomplete and inaccurate credit information. I respectfully request that evidence and payment history pertaining to these purported late payments be provided. As far as my records go, I have never paid past due on these accounts. The subsequent late payment information must be reconsidered due to its inaccuracy and subsequently deleted from my credit report, as it is providing false information.
Consumer complaint received 2023-04-10
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)

On XX/XX/2023 XXXX XXXX XXXX XXXX account ending in XXXX was requested to be removed from my personal credit report by XXXX XXXX XXXXXXXX XXXX. Please reference the attached document from XXXX XXXX XXXXXXXX XXXX dated XX/XX/2023 which states the following " we have sent an update to the credit reporting agencies to remove the business credit card tradeline from your credit report as of XX/XX/2023. '' This has taken longer than 30 days to resolve, and the credit bureaus investigation did not resolve the issue.
Consumer complaint received 2022-06-15
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)

n accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have 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 2022-06-15
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)

n accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have 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 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had a mortgage with Bank of America ( BOA ). During the term of the loan, BOA changed the terms of the loan incorrectly, adding almost {$1000.00} to my monthly payment. I notified BOA and I only got replies from them that they would look into the problem. This lasted for six months ' time. BOA never resolved the problem. I paid off the loan subsequently and then contacted BOA and my attempts were rebuffed. Finally, BOA contacted me to work out the over payments, after I filed a complaint through CFPB. BOA and I discussed the matter and BOA made an offer to settle all moneys due. We discussed the settlement amount and a confidentiality agreement. BOA asked me to sign a letter to CFPB that we had reached an agreement. I refused and stated, not until all details were worked out and papers signed. BOA never signed any papers. BOA sent a notice to CFPB that we were 95 % in agreement and then CFPB closed the case. After the case was closed, BOA stopped talking to me and has not continued any further discussions to resolve this matter. I will attach a some emails from BOA 's attorney that shows BOA was in agreement that monies were due me. I would like BOA to pay me the extra money that I was forced to pay. This can only be done if CFPB opens another case file.
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (TN)

I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security Disability, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since AAFES ( Army Airforce Exchanges /Post/Base Exchanges ) do business on Military Bases around the world by Civilian Contractors they claim that unpaid debt to the Military Star Credit Card is secured by the XXXX XXXX XXXX. XXXX allows any unpaid debt to be paid from Federal Tax Refunds. 

I attempted to contact XXXX by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security Disability was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by XXXX and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (GA)

To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America decided to stop supporting the Constitution and the second Amendment by freezing credit to gun manufacturers. This has a negative impact on me and will increase the cost, decrease the availability of myself and other law abiding citizens from exercising their 2nd Amendment rights.
Consumer complaint received 2018-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

All of a sudden out of no where without my knowledge XXXX XXXX  sold my Mortgage to SLS mortgage company in XX/XX/XXXX. SLS says I missed the XX/XX/XXXX payment so I couldnt keep up and now my credit went down and I had to pay an extra payment to keep my northern up to date it took me until XX/XX/XXXX to pay the extra payment which means I paid two mortgage payments in one month
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (NC)

I tried to close my account with BBT and they refused. They want to keep the account open and continue to charge me {$12.00} per month for having an account with them. Four years ago ( XX/XX/2014 ) I deposited 2 checks for {$68.00} each signed over to me by the " pay to. '' Even though the checks cleared and BBT received the funds, BBT placed a hold on my account for the deposit stating that the " pay to '' on the checks had to sign again. The " pay to '' verified their identity with BBT several times but the hold remains to date. BBT has robbed me of a total of {$280.00} thus far.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (IN)

Back in XX/XX/XXXX, I signed up for the official XXXX XXXX XXXX credit card ( issued by the First National Bank of Omaha ) to further support the organization and its support of the shooting sports, youth education and the Second Amendment rights were all guaranteed by the Constitution.

In XX/XX/XXXX due to social pressure from the media and anti-gun organizations, they terminated the program - without notice to card holders. Many of whom who dont have multiple lines of established credit to fall back on.

When I heard of this from the XXXX  newsletter I contacted the bank ( on XX/XX/XXXX ) and was told that my card and account would not be renewed and basically given no option other than to close my account. ( Keep in mind that my account has always been in good standing and was always paid as agreed or better than agreed. ) Banks are required by law to be equal opportunity lenders and to not discriminate against their customers. In this case Im being discriminated against because of my membership in the XXXX and being an American citizen who supports and respects our constitution and the law. Im also effectively being denied credit based on their own political beliefs.

This practice of virtue signaling and imposing their own political agenda goes completely in the face of laws guaranteeing equal opportunity to banking customers and anti-discrimination/fair credit rules.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

CitiBank and other large banks have taken it upon themselves to unfairly restrict access to credit and other services by companies I do business with. Specifically, companies that have anything to do with firearms and related products. On one hand, my taxes, and taxes paid by these same companies, paid for a huge bailout of Citi and other banks, to supposedly save them. On the other hand, they are unfairly targeting these companies, trying to hurt them specifically, to cause them to fail. That is inconsistent with constitutional protections of my, and their, 2nd amendment rights. This needs to be called out, and stopped.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (MN)

In XXXX XXXX 2018 Citi decided to take it upon themselves to be able to decide what kind of legal firearms components I could purchase. This is an invasion of my privacy and personal rights. They way over stepped their role and how they insert themselves into our private lives.They are bullying us legal creditcard holders that have the citi double cash back card. My citi mastercard number is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

For over 40 years, my father Mr XXXX XXXX XXXX has been a loyal Bank of America customer. In recent years he added my sister XXXX and myself as signatories to his account. This is an account he has used mainly to deposit his lifetime savings, it's not an account with a large number of transactions. 

In XX/XX/2020 he found that all his savings had been withdrawn from the account without his knowledge. After contacting the banks fraud claims team and a lengthy investigation, the funds were reimbursed to his account. To prevent any possible future fraud taking place, additional measures were implemented ; his voice was needed to request any changes or give the bank any instructions. He Insisted in not having an ATM card, as he only manages the account with his checkbook. To his surprise, in XX/XX/2020 the account was emptied again. We have found that a card was issued on my name, delivered to an address in XXXX FL and then used in cash machines in XXXX. We never requested a card, have never provided an address in XXXX and have never had an ATM card for this account. 

After 6 months of continous emails we had received {$60.00} of the total of {$70000.00}. See the detailed of the withdrawals attached. 

I would really appreciate it if you could guide us to someone in the bank who could own the resolution of this case. As you can imagine, for an XXXX year old person, this situation creates levels of stress which are not healthy. 


PD : Attached is an XXXX sheet with all the withdrawals made from the account with the atm card that sum sometimes {$3.00} in just one day. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

I am a law abiding small business owner. Who is a proud supporter of our constitutional rights, these freedoms granted to us help our nation flourish. As a business owner I pay my fair share of taxes and it wasn't long ago that this bank got a bail out. I am extremely upset with they're new policy restricting me from buying guns with my credit card. Most stores don't like checks or XXXX dollar bills so what am I supposed to do as a consumer who wants to purchase these products? I feel this new rule is illegal and unconstitutional and I would like this decision to be reversed.
Consumer complaint received 2021-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (PA)

This collection agency continues to add this collection on my credit report with all 3 agencies. The original debt was with XXXX XXXX XXXX more than 7 years and Paramount continues to add and take off of my credit report causing my credit score to lower, especially when I have worked so hard to keep credit clean. They will report to all 3 agencies, I put in a complaint, it gets removed time goes by and they add it again. 

It seems that XXXX sold my account to multiple buyers and the medical debt is more than 7 years old I want them to cease all collection efforts as this is damaging my credit and the account is more than 7 years old. On top of that I have another agency trying to collect the same debt that again is more than 7 years old.
Consumer complaint received 2021-06-10
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. (CA)

Experian is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where experian got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Experian is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.
Consumer complaint received 2019-03-26
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. (NV)

I filled out a page of investigative accounts for Equifax to investigate. Previously my file was 34 pages long when it should be 12 pages long. Now they have managed to extend it to 54 pages long. They refuse to correct or omit closed accounts, that were closed 7-8years ago. They refuse to scrub pages of XXXX   balances. they refuse to shorten and streamline my report. My report is filled with all the " garbarge '' they can manage to throw into it to to make it as long as possible. It is no longer a report, it is a book. This third rate company would rather endure torture than omit ANYTHING, whatsoever from my account. My credit report looks like XXXX. I would like it cleaned up and shortened.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX - XX/XX/2023
Consumer complaint received 2022-07-22
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. (PA)

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 2022-07-21
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. (CA)

XXXX XXXX Bank Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX Bank . This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.