davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX III do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OLD NATIONAL BANCORP (CA)

XX/XX/2021 - I used my bank 's HSA checking account to make an online payment ( via debit card ) to my 3rd party XXXX  administrator, XXXXXXXX XXXX  payments are an authorized use for an HSA account. 

XX/XX/2021 - My bank refused to clear the payment, and the transaction was voided. They are not showing this activity on their user portal. 

XX/XX/2021 - I used my bank 's HSA checking account ( debit card ) to again attempt the online XXXX payment due to XXXX. 

XX/XX/2021 - I also communicated with my bank via their secure e-mail system. I informed them I was using this account to make authorized XXXX payments to XXXX. I requested they not VOID my payments. 

XX/XX/2021 - My bank replied ( by their secure e-mail system ) with a single comment, " I have notated the account for you. '' XX/XX/2021 - My bank refused to clear the payment, and the transaction was voided. They are not showing this activity on their user portal. 

XX/XX/2021 - I communicated with my bank, requesting they reverse this action. Time is of the essence.
Consumer complaint received 2022-12-05
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-29
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)

i have been disputing inaccurate information with XXXX, XXXX, and transunion over the last six months and yet the same errors appear on my credit report. every time i dispute these unverifiable accounts, i either get an " updated '' response and nothing changes. 

XXXX DEPT OF EDUCATION is falsely reporting 90,120, 150 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information. delete this from my credit report. 

XXXX XXXX XXXX  XXXX XXXX is reporting false late payments and missing payment history for the entire account. also reporting differently to XXXX. 

DEPT OF EDXXXX is falsely reporting 90,120, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information and false payment history that's unverifiable. delete this from my credit report. 

TRANSUNION DEPT OF EDXXXX is falsely reporting 90,120, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

i have attached proof from XXXX for further review.
Consumer complaint received 2021-09-25
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. (FL)

Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called XXXX names and hung up on. I have been having the issue since the beginning of XXXX have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use XXXX slurs is very disheartening.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MN)

Foreclosure sale is Monday XXXX XXXX, XXXX. 
We have asked for short sale to non-profit and have been unable to get cooperation from the lender. We have provided them with contractor estimates, but they have been unwilling to review them and accept them. They are misrepresenting the condition of the house to the lenders for the foreclosure sale. We have sent them a qualified written request in XXXX, XXXX and again today, XXXX XXXX, XXXX. 
They do not seem to be willing to review the actual condition of the house.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is in regard to TRANSUNION not meeting the requirements for having reasonable procedures that is necessary for meeting the everyday needs of commerce, specifically in its initial investigation of furnisher information on consumer reports. TRANSUNION has allowed the furnishing of inaccurate, unfair, and unequitable information on my consumer report which is not in accordance with the requirements of title 15 U.S. Code 1681.

It is a fact, and as defined in the Gramm-Leach-Bliley Act, a financial institution that extends credit and regularly reports negative information about customers to a nationwide CRA, must notify customers that they report such information. Example of negative information include a customers delinquencies, late payments, insolvency or any form of default. 
XXXX XXXX, a financial institution never gave me any notice that they intended to furnish this account on my consumer report. What is worse is that they furnished negative inaccurate information on my consumer report without prior notice. XXXX XXXX knowingly reported false information by being reckless in their reporting. Any natural person who looks at this account on my consumer report can see that XXXX XXXX is just furnishing information on my report recklessly. How does one have {$0.00} past due payments for several month to owing {$3100.00} the next month? See Exhibit A, attached. How is the high balance the same from XXXX to XXXX, when there were payments? See Exhibit B, attached. This is the reason I am holding TRANSUNION liable because they dont have any procedures in place to prevent this adverse information from being furnished this way on my account in the first place.
Consumer complaint received 2021-09-25
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. (FL)

Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called racial names and hung up on. I have been having the issue since the beginning of September have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use racial slurs is very disheartening.
Consumer complaint received 2022-01-29
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: Experian Information Solutions Inc. (CA)

My 'credit score ' dropped again today, XXXX points. I receive regular emails from Experian Credit Bureau and today I received an email from Experian alerting me that my credit scores increased. I login, to my Experian account only to be disappointed again, that my score had been decreased XXXX points. There was never any increase today, according to the email sent to me, from Experian, alerting me my scores had increased. As I reviewed my report, to figure out why my scores decreased, there was no explanation. Every time my score get into the XXXX 's, my score drops below XXXX. This has been going-on for the past year ( s ), without fail and no real legit reason, why. 

I would like the 'cfpb ' to review my credit report history to see there has not been any recent negative activity on my 'credit reports ', ( also happening with XXXX ) XXXX I'm told to use my credit cards to increase my credit scores, by realtor 's. I have a credit card with XXXX XXXX that suggest I use my card as much as possible, not to exceed a certain percentage or {$500.00} before the bill is due. Since having this card I've paid my bill on time, long before the bill is due, without fail. Do you know they increased by score, ( XXXX ), XXXX point last month... that is an insult and no appreciation for on-time payments, to the customer, me. 

I've attached my recent Experian report an a screen shot of my fake email sent to me today. I'm requesting reasons for the roller coaster ride I'm on with these credit reporting companies.
Consumer complaint received 2021-09-25
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: Garcadia Financial LLC (GA)

On XX/XX/2021 I sent Foursight Capital a letter informing them on the laws that they are breaking from the US Code. I have been informed that Foursight Capital is reporting a car loan to my consumer report with the three major credit agencies, XXXX, XXXX and XXXX. Please be informed, Pursuant to 15 USC 1681 2 ( B ) states that any authorization or approval of a specific extension of CREDIT directly or indirectly by the issuer of a CREDIT CARD or similar device ; must be excluded from a consumer report. The US Code also defines the word CREDIT CARD, The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. So according to 15 USC 1681 2 ( B ) you are illegally reporting a credit transaction to my consumer report. I have the right for this TRANSACTION to be EXCLUDED from my consumer report on XXXX, XXXX and XXXX. 
Pursuant to 15 USC 1681 2 ( B ) My social security card is a CREDIT CARD according to 15 USC 1602n. My social security card was used to obtain CREDIT. As stated previously the US CODE LAW states that information is suppose to be excluded from my consumer report. I demand that they remove this transaction from my consumer report with XXXX, XXXX, and XXXX within 5 days of receiving this.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2019 my Bank of America account was closed due to fraud activity. I had no knowledge of said fraud activity. That left me with a charge of {$2.00} on my account and fraud activity alert in the XXXX system. I am requesting that this be completely removed from my XXXX systems account.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Unauthorized transactions XX/XX/2021 {$1000.00} Merchant XXXX XXXX XXXX XX/XX/2021 {$580.00} Merchant XXXX XXXX XXXX Tried to dispute on credit card website and electronically completed dispute form will not submit. XXXX XXXX XXXX  Tried to call credit card company. Message for dispute department says is closed. 
XXXX
Consumer complaint received 2021-09-25
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. (CA)

DESPITE DISPUTING WITH ALL 3 BUREAUS FOR THE PAST YEAR ONLY CERTAIN ACCOUNTS HAVE BEEN REMOVED FROM MY CREDIT REPORT. ALL CORRESPONDENCE HAVE BEEN VIA CERTIFIED MAIL, I'VE EVEN WENT TO THE LENGTHS OF HAVING THESE LETTERS PROVING FCRA VIOLATIONS NOTARIZED. PLEASE REVIEW ATTACHED.
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ). 

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below 1. Identity Theft XXXX  Account Number : XXXX 2. Identity Theft XXXX Account Number : XXXX 3. Identity Theft XXXX  Account Number : XXXX Account Number : XXXX 4. Identity Theft XXXXXXXX XXXX XXXX  XXXX A Account Number : XXXX
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc. (TX)

Requested debt validation multiple times from ACT, and XXXX XXXX, which were all ignored. Validation of Debt was never provided as legally required. In response to my last CFPB dispute ACT 's Compliance Representative for Account Control Technology , Inc. ( ACT ) stated this debt was recalled and should no longer be showing up on my credit report as ofXXXX. Yet this is still showing up on my credit report and negatively impacted my score.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I opened an checking account with bank TCF bank on date XX/XX/2021 with account balance of {$500.00}. 
In XX/XX/2021 we have deposited {$3700.00} into the checking account. There was no activity on the account transactions. 
We came to know this bank is acquired by new bank with name Huntington in XX/XX/2021. We were supposed to get a debit card from Huntington Bank with the available previous balance of {$4200.00}. 
Now we are being told that an amount of {$4200.00} on XXXX. We did not with withdraw any amount in any fashion of online or offline transaction. Still we are waiting for the account and debit card details from the new bank ( Huntington ) checking account. 

We have reached out to TCF bank representatives and were told that the balance in the checking account was {$0.00} and were not able to transfer the account to the new bank Huntington. 

We want to dispute this transaction of withdrawal of {$4200.00} on XX/XX/2021 and want this checking account ending with XXXX to be transferred to new bank Huntington with available balance of {$4200.00}. 

Now after promised 2 weeks of providing us with a right information regarding the transaction by TCF bank, they have failed to provide any information or any kind of help on the basis of customer/consumer satisfaction. I would like to take this to legal incase of any delay or help provided by TCF and Huntington Banks is not satisfactory as per the United States of America consumer law. 


With Regards, XXXX XXXX.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AL)

I have a bankruptcy showing in my background check. By law as of XX/XX/XXXX 2017, this should n't reflect. This is hurting me from getting a job.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/2021, I have notified XXXX that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX | XXXX : XXXX | Status : Discharged
Consumer complaint received 2019-10-23
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: EQUIFAX, INC. (ID)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC (CA)

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Early Warning to have inaccurate items removed from my consumer report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Early Warning at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The account BK OF AMER is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.