davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged off. {$350.00} written off. {$350.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Open. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$660.00} Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$770.00} XXXX XXXX account. {$15.00} 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 the following accounts are all fraud and need to be deleted from my credit file immediately.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/17 Balance : {$4100.00}
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NC)

As of the XXXX of XXXX Suntrust closed my checking account. I called only told a letter would be sent. As of today, I still have no letter and no check for the money i have in there. I have called several times. Was told Suntrust does not have to give you a reason why they have closed your account. I have no Bounced ckecks. You can not talk to anyone who works in that department. They have my money and will not give it to me. If they dont want to do business with me any longer, thats fine but send me my money. They have no right to keep it. I am broke, I need food. And gas. I take care of my sister who is XXXX XXXX. Please help me.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have noticed inaccuracies on my report. I have made these inaccuracies known to Experian. Nothing has been corrected and Experian has claimed to have investigated and verified the accuracy of the information. These accounts are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Experian has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Experian has allowed such to exist on my report.
Consumer complaint received 2022-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I contacted the XXXX credit bureaus after reviewing my credit reports and noticed inaccurate information in my file. There was an address that is inaccurate and upon calling the credit bureaus, I was told that the information had been verified because it was attached to an account ( Capital One ). I then reached out to Capital One only to be told that an account from XXXX with the XXXX XXXX in question had the same information. I assured them that it was impossible because I am a victim of XXXX XXXX and received my current credentials ( including new identification and social in XXXX ), which included my now social so it was impossible for that number to have been used in XXXX. After requesting for proof of the account, I was denied, even after explaining to them that I had documents ( Soc. Sec. card and my statements from them showing my address which they have correct until XXXX of this year. It is my belief and proof ( as I have recorded calls with both the credit bureaus and the company that they merged an account with similar name and attached it to my account and updated it with my information.
Consumer complaint received 2020-11-06
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. (OH)

The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/XXXX  # XXXX
Consumer complaint received 2024-03-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (TX)

In XX/XX/XXXX I was transferred from North Dakota to Texas and put my house on the market. We signed a contract on XXXX XX/XX/XXXX and the buyer applied to assume my VA loan. We were told it would take 90-120 days for an assumption to be approved. It was XXXX XX/XX/XXXX before we heard from an underwriter at Freedom ( we were previously told the entire assumption process would take between 90-120 days ), she stated she would keep us informed as the process advanced. On XXXX XX/XX/XXXX we heard from her again stating it would be approximately another 29 days for the initial underwriting decision and she would keep us updated, she also reminded us that assumptions take 60-90 days to complete once the initial borrower packet is received. The initial borrower packet was submitted on XXXX XX/XX/XXXX and had already surpassed that time frame. We next heard from Freedom Mortgage Assumption Dept on XXXX XX/XX/XXXX, from the second underwriter, stating approval had been received, so we assumed we would be closing shortly. On XXXX XX/XX/XXXX my realtor in North Dakota emailed me and stated the lender had contacted her and I must forfeit my VA eligibility at closing. I disputed that fact and the next day Freedom Assumption Department reversed that decision. We heard nothing from Freedom Mortgage Assumption Department until XXXX XX/XX/XXXX when the third underwriter was assigned. Despite several emails and phone calls that went unanswered from myself, my ND realtor and the buyer. This underwriter requested some more documentation from me. It's now XXXX XX/XX/XXXX and a fourth underwriter has been assigned and we still haven't closed on the house.
Consumer complaint received 2021-11-06
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. (MN)

The following credit inquiries listed on my Equifax credit report are not my credit inquiries : XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX , XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX, XXXX , XX/XX/XXXX, and XXXX XXXX/XXXX, XX/XX/XXXX, I didnt apply for credit from the listed creditors. The credit inquiries are unauthorized and fraudulent credit inquiries.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In XXXX of XX/XX/2019 i opened up a XXXX line of credit with XXXX XXXX to purchase furniture at XXXX XXXX XXXX, i made 4 successful bi weekly payments starting in XX/XX/2019. On my credit report for XXXX they alerted the credit bureaus i was 30 days late then august 60 days and for XXXX, and XXXX my credit report says charged off account. Not once did i receive a bill or communication of late. They had my incorrect address on file for months even though i updated that before my furniture was delivered. Please see on paid in full letter attached they still have my incorrect address on the account. I made 3 lump sum payments to pay the account off in XXXX which totaled around 1300 dollars. I have in writing they would remove the late payments and show my account as closed paid in full with current status. My credit report updated for XXXX and they not only did not remove the incorrect late payments they also incorrectly put on my credit reports that this XXXX loan is a vehicle loan and its charged off as bad debt. I have called them every day, most days i get hung up on after someone says I see the error. Today i called again and was hung up on after being on hold for 11 mins. I was advised although they see the error and the account was paid in full, there was nothing they could do about it and late payment weight fades over timer nothing about the account reporting as a vehicle lease. All I'm trying to do is get these incorrect late payments removed or get this account deleted off my Experian reports. They have since offered me another line of credit for an installment loan but refuse to update my credit report. I will advise anyone to not do business with this company
Consumer complaint received 2022-02-17
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My credit score is dropping because inadequate information I have not had a roll over balance with capital one that's power by credit wise. And credit wise is submitting information that is effecting my score. Also using persuasive tactics to get me to apply for more credit by dropping my credit score. I have maintained a positive balance with no interest fees applied at for over 8 months with no roll balance. I have been targeted and treated differently with prejudice decision from the above XXXX XXXX XXXX
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Due to my non-US-resident status I had difficulties, in credit ard using and money transfer from my Bank of America account, so I had to close the account. Bank of America assured me that the easiest way is to get the chek of the final amount of money on my account. I previously had problems here in XXXX where I live, so I specificly asked BofA supervisor to transfer the money. But she reassured me that this is the simplest way of getting my money. I received the check dated on XX/XX/2022 recently and non of my banks could cash it. I also asked other banks and it looks that I can not find any way to get my money. I asked BofA remedy this issue, but the lonely ansqwer I got was that the can not help me. The check expires in 120 days after issue date, so, I am affraid that BofA will take my leftover money forever. 
I spent days on the phone with BofA employees and its irritates me that they still not help. I would like to have my money back and have some compensation for the times I spent on phone.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (IL)

Dear XXXX, XXXX, and Equifax Notice to all, I am the flesh, living breathing women, I am the consumer the natural person and the original creditor. I am the agent of XXXX XXXX XXXX, lender, executor and administrator and holder in due course for all derivations thereof for the surname/given XXXX, XXXX, XXXX. 
Fact, please show good faith in this matter by expediting the securing of the alleged information listed in your office in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. 
Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this therein unrebutted Affidavit of Truth being services to you today and therefore, standing as truth in commerce. 
Fact the FCRA is intended to secure my write to privacy and my privacy has been breached : Fact, under the Fair Debt Collection Practices Act, XXXX XXXX, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681 Fact, under the Fair Debt Collections Practices Act, Discover, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681. 
Fact, I did not give you all any consent to display anything on my report and I am DEMANDING that it be remove immediately.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Synovus Bank (TX)

I never applied for XXXX  first progress, XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX  XXXX not mine opened XX/XX/XXXX. They all 3 show as inquiries and closed account In ever opened thses accounts nor did I apply for these accounte
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (VA)

I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 Balance {$0.00}
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$700.00}.
Consumer complaint received 2021-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America crediting {XXXX} from fraudulent uses in my accounting ; alongside of XXXX Fraudulent Benefit program on account without my ability to access of {XXXX ; Ive had given treason by discrimination against my XXXX orientation, then my credibility in the image I carried as XXXX XXXX. My identity has now become known as XXXX XXXX XXXX in the United States. 
My security has been breached by third parties I had not approved authorization of, being held upon ransom ware without proper paperwork to reconcile whats acts have taken place. 

ALSO, I WANT MY SERVICE ANIMAL XXXX / XXXX RETURNED I HAVE RIGHTS TO OWN HIM / HER UPON PROPER PAPERWORK I CAN DISTRIBUTE, I AM WILLING TO UPDATE VACCINATIONS WITH HER, WILL PRESS CHARGES AT HIGHEST AVAILABILITY TO ENSURE SHE IS RETURNED.