davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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)

After months of disputes and an attempt to settle the balance with the merchant, and successfully paying off an agreed settlement offer, the merchant went back to my credit reporting agencies and removed my closed account status and reopened it, replacing the CLS ( CLOSED STATUS ) with a CO ( CHARGEOFF STATUS ). 

In XXXX I took advantage of the settlement offer, paying a little more than {$300.00} towards the balance to have it closed out. I was advised by the Bank XXXX XXXX XXXX merchant XXXX Recovery Department representative XX/XX/2022 that after paying off the settlement, their institution would send a CLOSED status update to my credit reporting agencies. I proceeded with this offer and ended up paying off the settlement earlier that I had agreed to do. My 1st 2 payments were XXXX and XXXX. In XXXX I paid the rest off to close out my settlement sooner than scheduled. 

During this time I continued getting Chargeoff STATUS updates on my reports. 

On XX/XX/2022, Bank XXXX XXXX finally updated my reporting agencies with my completed settlement status. 

On XX/XX/2022, I received a XXXX XXXX  increase on my credit score due to this settlement update, with a CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX for this merchant. 

Exactly 4 weeks later, on XX/XX/2022, I received a XXXX XXXX  decrease on my credit score due to Bank XXXX XXXX reupdating my credit report by removing the CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX. 

I reached out to Bank XXXX XXXX about this and their supervisor would not articulate why they did this. Rather, he tried to spin circles around me with excuse after excuse that it wasn't their fault. XXXX XXXX claimed that the above half of my credit report for this merchant was correct and that the bottom half of the report which showed the history of payments, although incorrect, wasn't important and wasn't their fault and that I needed to submit a dispute with my credit reporting agencies, eventhough I already had done so to begin with, which is what caused this mess in the 1st place. 

CONCLUSION. 

This account is CLOSED, and the merchant submitted an update in XXXX to reflect this fact. They then went in a 5 weeks later and reversed their update from CLOSED, and slammed me with a " MISSED PAYMENT '' for XXXX which dropped my score! 

THIS IS FLAT OUT WRONG AND NOW MY CREDIT WAS RUINED BECAUSE OF THEM EVEN AFTER PAYING THEIR XXXX SETTLEMENT!
Consumer complaint received 2020-09-23
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. (MS)

Please Add this New List of Illegal Activities by the Furnisher to My Recent CFPB For TransUnion Complaint # XXXX ( Updated List Attached )
Consumer complaint received 2020-09-23
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. (IN)

I have two bank cards with XXXX XXXX never reported. In XXXX they reported one of my accounts late and both accounts are covered by Insurance to make payments due to loss of job. One of the claims slipped through the cracks on email and was reported late when sent together I have been around AND around telling bank its late on CR they say I can't get removed from credit report! Please help!
Consumer complaint received 2023-04-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called a mortgage banker XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX. 

I applied for a home loan grant for down payment assistance. 

The banker ignored my calls and then referred me to other credit counselors after I got denied. 

After going to the counselors, they told me that he shouldnt have referred me to them as they can not help. 

The credit counselors believe the banker is practicing discriminatory actions towards me. 

This seems to be another story of an XXXX American being shun from mortgage programs
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has blocked my account and I cant access it or use the funds I have in it. As I dont live in the US its impossible for me to visit a branch to solve the issue, Ive tried calling more than 20 times and nobody offers any solution. When the account was opened I was promised I would be able to solve any issue via phone or app and this has not been the case, I am in urgent need to access the account as I need the funds and to be able to make transactions with the account, thats why I opened it and I have not been able to use it.
Consumer complaint received 2022-07-12
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: Santander Consumer USA Holdings Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Santander Consumer USA, & 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 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WV)

I received 4 separate emails that appeared to be from Wells Fargo Bank about an online application to open a checking account. I contacted Wells Fargo to notify them that I never applied online or in-person to open a checking account and have not authorized anyone to open an account in my name. The customer service representative stated that there was nothing that could be done to help me if I refused to give them my social security number. I terminated the call. I then proceeded to forward the email to Wells Fargo 's fraud/phishing email alert and deleted all of the emails. I did not click on any links within any of the emails. This is the second time I have received an email about an alleged online account application with Wells Fargo to open a checking account. I have a credit freeze on my credit report with all credit bureaus and it is not possible for anyone to open an account in my name. I then received a phone call to my cell phone and then to my home phone from XXXX claiming to be from Wells Fargo about an alleged account in my name. I blocked the number. I do not have any accounts with Wells Fargo, never have, and have not applied nor have I authorized anyone to apply online for a checking account with Wells Fargo on my behalf.
Consumer complaint received 2022-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

I made a payment of {$100.00} on XX/XX/XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX at XXXX ( I was hung up after asking why they didn't apply to principal ) & XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company. 
I made a payment of {$400.00} on XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX and XXXX to have this payment apply to principal only. The company has refused to do as I have requested. 
I made a payment on XX/XX/XXXX of {$250.00}, I had called on XX/XX/XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company. 
I called on XX/XX/XXXX who could not tell me why the company moved the payments back to the monthly premiums. He stated he could request the funds to be moved back to principle and I declined since I've asked this 6 other times and the company failed to do what I've asked.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 12 credit inquiries that I did not authorize. The customer service department would not help and take care of the negative inquiries reporting to my credit report and I would like to have this issue resolved. 

XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Southwest Credit Systems, L.P. (FL)

Date : XX/XX/2022, XX/XX/2022 and Call went to my voicemail the first time they called. 
The second time they called I asked them not to contact me at work. 

Company XXXX called my employer after I asked not to contact me at work.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I had an account with XXXX XXXX XXXX  and the company sent me to collection. I paid the account with the collection agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 in the amount of XXXX XXXX XXXX XXXX  did not report the account as settled in full after I paid the collection agency on XX/XX/XXXX, XXXX XXXX XXXX XXXX   did not report anything on the account for several months until after I did a dispute with the credit bureau then the company report the account as a charge off on XX/XX/XXXX.. Unfair business practices due to me paying the debts and they still report the debt on the credit even after I notified them and sent them proof of the payment. They even confirmed verbally with me that they would not update even though they acknowledge payment.
Consumer complaint received 2022-07-12
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. (CA)

So, I went to a XXXX and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.
Consumer complaint received 2022-07-12
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. (CA)

So, I went to a XXXX  and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.
Consumer complaint received 2020-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I am a XXXX XXXX XXXX with 5 complete years of full time service in a XXXX XXXX  XXXX. I meet ALL of the criteria for a {$17000.00} reduction in my student loans and was denied. My application was completed accurately and I uploaded it correctly. I meet all other criteria as well. 

No additional information was provided to explain or justify the denial from Fed Loan Servicing. I have read countless stories from teachers nationwide who have experienced these very same frustrations. 

I have earned this XXXX  loan forgiveness, and I am entitled to it, based on the requirements that Fed Loan Servicing set forth. 

I would like this resolved as soon as possible.
Consumer complaint received 2023-04-04
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: ALLY FINANCIAL INC. (IL)

In accordance with the Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights to privacy and confidentially under the 15 USC 1681. XXXX Account XXXX XXXX ( 30 days late XX/XX/XXXX ) and Account XXXX XXXX ( 30 days late XX/XX/XXXX ) has violated my rights. 

XXXX5 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-12
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: Upstart Holdings, Inc. (FL)

I have a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX. These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is XXXX-XXXX-XXXX
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

We was contacted for a rental property claiming he received my number from XXXX XXXX. We was in contact with him about the property and when we got closeto seeing it he said that property was secured and he gave us another address to see. He gave us the code to get in and we liked it. So went through the process of paying him the application fee the deposit and the XXXX month 's rent. We was supposed to get a email from a lockbox company for our key. It was XXXX hours and I was getting worried it was a scam. So I called invitation homes and they told me it was a scam
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (ME)

On XX/XX/2022 I received a dunning notice from Receivables Performance Manage, LLC for an outstanding balance of {$78.00} that XXXX believes I owe them, plus {$19.00} in unspecified charges. 

I do not owe this bill due to the terms of my contract with XXXX, as highlighted in the copy of the complaint that I attach ( XXXX ). 

Due to the threats by XXXX XXXX to ruin my good credit, I sent them a check for {$78.00}, the receipt of which is documented in the complaint I have with them. They have not cashed my check and it is my hope that if they do, I will be refunded {$78.00} after they review my complaint. According to your website, they have not yet reviewed the complaint. 

Now, Receivables Performance Management LLC is dunning me for the same amount plus unspecified extra charges of {$19.00} I have been unable to reach Receivables Performance Management by telephone during their specified " Open Hours '', and they have not returned my call.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have two bank cards with XXXX XXXX never reported. In XXXX they reported one of my accounts late and both accounts are covered by Insurance to make payments due to loss of job. One of the claims slipped through the cracks on email and was reported late when sent together I have been around AND around telling bank its late on CR they say I can't get removed from credit report! Please help!
Consumer complaint received 2022-07-26
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. (NC)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
DEPTEDXXXX  XXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX  XXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX  XXXX Balance : {$400.00} ; XXXX/XXXX  XXXX Balance : {$380.00} ; XXXX XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX )
Consumer complaint received 2018-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc. (CA)

Earnest, my student loan company, mistakenly took money from my bank account while i was in forbearance. i am now left with -XXXX and the quickest they can refund the money is 1-2 weeks - thats with it being expedited. This is criminal and has left me with no money for two week. They need to be held responsible for the kind of stress this has put on me and my family. I have attached an email of the latest correspondence.
Consumer complaint received 2018-12-17
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: EQUIFAX, INC. (GA)

According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/XXXX I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in XXXX. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney
Consumer complaint received 2022-07-12
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, and XXXX XXXXXXXX account number 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 2017-12-22
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. (NV)

Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, Trans Union and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.
Consumer complaint received 2022-07-12
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. (TX)

Transunion : BANK OF XXXX I request that you contact BK of XXXX because you do not show address on your credit report Nor no account number document enclosed. I request from BK of XXXX  to send myself a copy of date of last activity date of last payment, account number, bal. as for your reporting this should be remove from my report for inaccurate incomplete reporting by you
Consumer complaint received 2020-09-23
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. (AL)

I have contacted Transunion several times by phone, letter & several cfpb complaints including XXXX & XXXX concerning several fraud accounts that I have proved that do not belong to me, yet Transunion still reports them for XXXX XXXX {$160.00}, XXXX XXXX XXXX  {$530.00}, XXXX XXXX XXXX  Opened XX/XX/14, XXXX XXXX was updated to close but still on my report this should be deleted. I have never been on Child Support & you all are reporting a balance of {$8500.00}. Please delete