davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc. (AZ)

I gave Grain my direct account information to auto draft for the bill. According to 15 US 1666B this account contains a billing error I was also not mailed and should not be reporting late. Currently they are hurting my consumer report as a Financial institution who is reporting negative information of me to the credit reporting agencies 15 USC 1681 S-2. I am asking CFPB to Enforce Grain to remove late payments reporting that are indeed inaccurate reporting
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

My credit report for both XXXX and Equifax are showing old high balances on several accounts that are showing I either paid off or there is little to no balance. This is impacting my credit score because it is showing I have several high balances and this information is not being updated properly. For example I used XXXX and had a high balance of {$3800.00} in XX/XX/XXXX. I paid off the credit card on XX/XX/XXXX and its still showing a high balance reported in XX/XX/XXXX.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion refuses to remove a debt that is past the statute of limitations the original debt is XX/XX/XXXX this is the final bill last date of activity it was sold to a collection agency that is stating the debt was XX/XX/XXXX this is incorrect this is refreshing I do have an attorney hired that is suing the collection agency. The law says 7 years 180 days since delinquency which is XXXX I want this removed I have not paid the collection agency anything and will not due to the fact that the business responsible for the accident said they would pay my medical but they did not that is besides the point the credit bureau is in the wrong taking the word of the collection agency when I sent them proof which was the final bill with the dates stated above. It plainly states on the cfpd site that I am correct about the statute of limitations.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

To Whom It May Concern, First, I have not turned down the other account XXXX XXXX so please do not put words in my mouth metaphorically speaking because that is not accurate concerning our conversation. However, I do remember your office calling me and inquiring about what I wanted to get things resolved during our first conversation, and I told you that " I wanted all of the overdraft fees returned and all of the XXXX fees returned than I wanted the bank account closed '' My mother who talked to you shortly after I did said the same thing even though any information or conversations with her were limited. 

Nonetheless, as I have stated various times, I don't want to be in a relationship with the bank anymore due to lies, poor information, and the lack of good customer service, especially when I went to get a letter notarized at the bank you're over and was treated like human trash, by an employee your branch hired and needs to fire. 

I doubt that you've even spoke about the situation to her. The letter I needed notarized was time sensitive, and your arrogant and unfriendly employee didn't even try to help me even though 5 employees or more were in the bank at the time ( you can pull the camera footage for that interaction ). 

Also, as I mentioned, she doesn't need her notary license if she doesn't want to do notaries. It's against the law concerning what she did in XXXX. You've made some excuses for her actions but let 's be honest there are none because she believes she is more than what she is per se. 

Lastly, XXXX provided me with a letter to give to you due to their error, and you've have yet to act on that. Maybe it was missed in the attachment section? I am requesting for my requests to be met, or I can contact XXXX XXXX 's office ( either or is fine with me ). 

Best,
Consumer complaint received 2019-07-08
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. (GA)

Im reaching out because there are still items on my credit that are still mind. I have reached out to the FTC and my local police department and I am doing this on my own behalf and Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX.
Consumer complaint received 2022-02-28
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. (NY)

I contacted experian on Friday XX/XX/2022 regarding my fico scores. On the experian website, my account allows me to see all 3 credit bureau scores. For both Experian and XXXX, there is listed 2 negative score factors that are false. 1. Serious delinquency or derogatory indicator on credit report. and 2. Insufficient number of accounts that are currently paid as agreed. 

I spoke with 4 representatives who all concluded upon reviewing my credit report, that there are No Delinquencies or derogatory indicators. They stated that all my accounts are in good standing. They could not understand why my score is being affected by this when there is no evidence in my report. I was transferred from membership department to dispute department to membership department and not one agent could fix the issue or help me. 

It appears that the issues are not with my credit report but with the software that both experian and XXXX are utilizing and there are no solutions to my issue.
Consumer complaint received 2019-07-09
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. (GA)

I went to try and help my mom get a car and the people at the car lot told me that I could not cosign because of my credit I went home to see what they was talking about and there some stuff on there not mine can yall please remove XXXX  XXXX  XXXX  and XXXX. I am doing this on my own behalf and I contacted the FTC and my local police,
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXXDispute Statement** I, XXXX XXXX XXXX XXXX dispute the address at XXXX XXXX XXXX, XXXX, GA XXXX XXXX reported on XX/XX/XXXX, with dispute number ( XXXX ) XXXX. Additionally, I request the addition of my employer, XXXX XXXX XXXX XXXX 

Regarding inquiries, I dispute the following : XXXX XXXXXXXX - Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual XXXX. XXXX XXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual Regarding aliases, dispute the following names and IDs : - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX Dispute addresses at : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA, XXXX, Address ID # XXXX, Single family Additionally, I request the addition of my XXXX XXXX XXXX XXXX XXXX 

Dispute the following hard inquiries : XXXX. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX, WI, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Please investigate and remove these inaccuracies promptly. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I had my money from unemployment and they allowed someone to spend 8000 out f my account there were reoccurring charges coming out which they where told they were not mine but they continued to take them out I filed a dispute for every charge then was told the charges were valid cause it was name and my up they stole my identity
Consumer complaint received 2022-02-28
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. (PA)

I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be moved immediately.
Consumer complaint received 2022-02-28
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. (PA)

I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be moved immediately.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

My name is XXXX XXXX and my email on the venmo account is XXXX and I got an {$80.00} payment from XXXX XXXX but Venmo wont let me add my bank or card to withdraw payment. They holding my money for no reason and it is very inconvenient and I want to sue.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: EASTERN BANKSHARES INC (MA)

I went to Eastern Bank and got the Bank problem resolved and paid and the said it would not be reported to XXXX  XXXX then I see it on my XXXX XXXX report Eastern Bank XXXX XXXX XXXX XXXX Ma XXXX and phone number not available
Consumer complaint received 2022-02-28
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. (WA)

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXXXXXX The monthly payment on this account is inaccurate. Experian is reporting - as the monthly payment and XXXX is reporting - and XXXX is reporting {$0.00}. The last date of activity is also inaccurate. Experian is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. Experian is reporting 60 Months and XXXX is reporting Monthly ( due every month ) and XXXX is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY REPORT
Consumer complaint received 2022-02-28
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. (NC)

In accordance with the fair credit reporting act convergent XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX on XXXX and XXXX, XXXX XXXX XXXXXXXX on XXXX, XXXX on XXXX and XXXX on 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 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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. 

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  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 2022-02-28
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)

Between my wife and I request to individual or the main three credit reporting agencies over the past two years, we have yet to get any of the many errors in our credit reporting corrected. Especially the ones that indicated that they would send the response to us by mail. PLEASE DO NOT RESPOND BY MAIL ONLY. We had problems getting all of our mail, and in the mail we have received concerning CFPB complaints, the answers were never clear as to what action was taking, or they simply indicated that an investigation showed that there were no errors. Our credit reporting was confirmed to have many errors. So we are requesting urgent attention to these matters from the listed credit reporting agencies :
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (CA)

I was sent fraudulent wire instructions appearing to be from my title company. The e-mail had all the right names attached to the e-mail. I sent {$280000.00} to the bank that was listed. It asked to be sent to XXXX XXXX saying she was the attorney for the transaction. I did not put her as the beneficiary I put the title companies name XXXX. Title. I sent the money on XX/XX/XXXX of XXXX at around XXXX PM. On XX/XX/XXXX of XXXX we figured out that it was a scam. I called my bank and had them report it to PNC bank in XXXX Alabama. I was told that they can take up to 90 days to return my money. I called PNC Bank and they would not give me any information. My bank has not been able to get any information from them. As of today XX/XX/XXXX I still do not have any of my money back. About two weeks ago PNC contacted my XXXX XXXX ( XXXX XXXX ) to fil lout a form and asked some questions. But no further information has been received from them.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Back in XXXX XXXX i had lost my wallet at the casino but about XXXX later I got a call from the casino saying they had found my wallet and ever since then I been having Bank of America closing my account and saying I deposited some fraudulent checks and I never did. No one wants to bank with ever since then.
Consumer complaint received 2022-02-28
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. (WA)

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX  XXXX  XXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and Equifax is reporting {$330.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and Equifax is reporting XX/XX/XXXX. 
PLEASE DELETE AND REMOVE IT FROM MY REPORT
Consumer complaint received 2022-05-05
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. (OH)

In accordance with Fair Credit Reporting Act XXXXXXXX XXXX XXXX account # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 

XXXXXXXX XXXX  XXXX XXXX # XXXX, has Violated my rights. 


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

15 U.S.C 1681 section 604 A. 2 : It also states a consumer reporting agency can not furnish account without my written Instructions.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all 3 of my credit reports, My name should be reported as it reads on my Hawaii State issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my XXXX, Transunion, and XXXX Credit Reports, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on XXXX which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all 3 Credit Bureaus XXXX, XXXX, and Transunion all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX W2, and a Utility Bill as Proof of Identity and Residence
Consumer complaint received 2017-09-06
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. (TX)

problems on my credit report with equifax is that i have open accounts with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX All my accounts and in good standing but not being reported to equifax or they have not updated the information. Before i put fraud alert on my report my open account with XXXX XXXX  reported but since after it now does not report to them. i have no problems with XXXX or XXXX reporting information the only problem is with equifax. This information should be reported because they are all in good standing!
Consumer complaint received 2019-07-08
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. (SC)

Hi I was advised that I can reach out to you regarding some things on my credit that are not mine. I went to apply fore. home loan and was told that I was not able to get in the program because of my credit. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. I want those accounts removed from my credit so I can move forward with my life Chapter XXXX Bankruptcy, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX end XXXX.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all 3 of my credit reports, My name should be reported as it reads on my Hawaii State issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my Experian, XXXX, and XXXX Credit Reports, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on Experian which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all 3 Credit Bureaus Experian, XXXX, and XXXX all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX W2, and a Utility Bill as Proof of Identity and Residence