davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/XXXX my credit score with Transunion was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my XXXX scorer dropped 89 points in 2 days. 
I called a Transunion and the dropped seem to correspond. 
Now this sudden drop in XXXX. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer
Consumer complaint received 2018-07-20
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. (NC)

So on XX/XX/2018 I get a update from XXXX XXXX  stating that XXXX has been removed from my Equifax credit file..I contacted Equifax and they stated that XXXX stated that the account belongs to me ... I contacted XXXX numerous of times and ask them since the account is paid in full can they remove it from my account Im getting fraudulent fees back from equifax and XXXX but XXXX XXXX said they will update my information and late payments are still showing which is wrong. Equifax keep updating with XXXX XXXX that account is remove which now they saying it was updated to change account
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have sent numerous dispute requests on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to XXXX, Equifax and XXXX  regarding the reporting of fraudulent and incorrect information on my consumer credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax, XXXX is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX, Equifax, XXXX failure to positively verify these accounts { see page 2 XXXX, have hurt my ability to obtain consumer credit. Under the FCRA, unverifiable accounts must be removed. 

I demand that the below accounts be removed immediately : The following account are not mine. Please remove from my XXXX, Equifax, XXXX Consumer Credit Report. 


XXXX. XXXX Account # XXXX XXXX {$16000.00} Date Open : XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX Balance {$12000.00} Date Open : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$43000.00} Date Open : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$24000.00} Date Open : XX/XX/XXXX XXXX. XXXX Bank Account # XXXX Balance {$1800.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$1600.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$8700.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX {$1900.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$0.00} Credit Limit {$1500.00} Date Open : XX/XX/XXXX 2018
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

On XX/XX/XXXX, I sent a letter of dispute to a collection agency named XXXX XXXX XXXX ( ERC ), in regards to an account that they have been reporting under my name and social security number, with an amount of {$1300.00} which they claim I owe them, to all 3 credit reporting bureaus, with an open date of XX/XX/XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 2 follow-up letters since then, dated XX/XX/XXXX, and XX/XX/XXXX, to which they have not responded. I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.
Consumer complaint received 2018-07-20
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. (VA)

I wrote Experian certified mail XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX asking them to validate the following collection agency debt they say owe. I also wrote the reporting collection agency by certified mail and was sent my medical infor with no hippa release as well as Experian Credit Bureau Re-ageing these account. Experian claims they did their investigation and refused to delete inaccurant account. 

XXXX XXXX XXXX- $ XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- {$61.00} Date Opened XX/XX/XXXX Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX This grossly fraud by Experian and these Collection Agency I have listed.
Consumer complaint received 2018-07-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

The company did not give me the credit for the principle reduction. Further I was not notified by Ocwen about the settlement with the government despite writing them for the last 6 years. Why was I not included in the principle reduction. I have letters from that state my principle balance without the balloon payment. After I reported Ocwen to CFPB they went o. The attack made changes to my credit report and dropped my score over 30 points. I disagree with their response to you. Consumers including myself are still suffering at the hands of this company.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (SC)

My XX/XX/XXXX statement indicated a minimum payment due on XX/XX/XXXX in the amount of {$30.00}. 

It also indicated a promotional plan expiration date of XX/XX/XXXX with a remaining balance of {$35.00}. 

On XX/XX/XXXX I made a payment of {$30.00}. On XX/XX/XXXX I made a payment of {$36.00}. 

On XX/XX/XXXX I contacted Customer Care to confirm that the amount above the minimum was applied to the promotional balance. I received written confirmation that it would be. However, my XX/XX/XXXX statement reflected otherwise. Subsequently, interest charges were applied. 

I filed a complaint with CFPB. The company responded but did not provide accurate information. CFPB closed the complaint without allowing rebuttal. This complaint includes additional documentation which reflects XXXX   failure to honor promotional terms.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
Consumer complaint received 2023-03-24
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. (MS)

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, has violated my right. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

I have made a similar complaint another time. In XXXX of XXXX, someone stole my identity. They have opened an account through XXXX  that luckily I was able to close. I'm getting random calls about me applying for loans up to $ XXXX ... i went ahead and closed my bank ( citibank ) permanently all my accounts and they told me multiple times they were going to make it so I can't sign up for a account there at all. Although, I gave them the benefit of the doubt for the 4th time to do their part, I'm once again dissapointed. I got a letter from them today stating on XX/XX/XXXX, my account was overdrawn and now an account is open that i know nothin about and i refuse to pay money for something im not using. Can you please help me? When i called to talk to them they refused to help me at all ... when I told them they obviously don't care and aren't following through with what they told me multiple times. I told them they obviously aren't checking ID because if they did, he wouldn't have been able to open 3 accounts in 4 months. I don't know what else to do if the bank who is not doing their job refuses to help me.
Consumer complaint received 2018-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (NJ)

I have been trying for the past two years to get these loans forgiven because XXXX scammed me. The loan I have has been very unhelpful with me to the point where Ive had to hire a lawyer to help me get some things done. The loan company has also pretend to help me by giving me fake phone numbers and having me call a number that has nothing to do with what I need. 

I also have no degree because of this and can not get a job in my field. XXXX claims and told XXXX  that I graduated but there is no proof. The company that took over XXXX transcripts has no degree for me.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I have an account with XXXX. They use XXXX to connect my XXXX account with my other checking accounts such as PNC. While trying to do the connection, XXXX notifies me that PNC has made a change that prevents me from being able to link my accounts. PNC denies this. So without this link, I have to wait about 5 days to transfer funds between my accounts, while if I could link them, I could transfer money the same day, or within 24 hours. This is very inconvenient for me. I am unable to understand why this can not be done.
Consumer complaint received 2023-03-24
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)

I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 )
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

On XX/XX/2018 they say I entered XXXX XXXX XXXX but at that exact month I was XXXX this is not mines my father has same name as me I wasn't released until XX/XX/XXXX so how could I have entered the emergency room
Consumer complaint received 2020-10-24
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. (FL)

Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-10-24
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. (FL)

Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-09-20
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. (NY)

Received information on line about the Equifax Data Breach and the consumer information from FTC Commission Consumer Information where it was outlined to go to the Equifax site to request a one-year free monitoring and other services to protect us from the breach. We filled out the request on line and tried to submit it and got a site error instead so it was not possible to sign up. We also understand that Equifax can charge a fee to put a security freeze on our account if we try that. This is preposterous since we are in this situation for something Equifax did.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the pandemic someone used my name and applied and got {$14000.00}. I have tried to recover these funds from Bank of America, but they keep on either denying my claims, or they reward the claim and mail out a card to the same fraudulent address with the funds on the card. I notified Bank of America, XX/XX/2020, that I didn't authorize any one to use my name to apply for benefits that the card should be stopped and marked as fraud and they assured me that this was done. I then found out that on XX/XX/2020, another card was sent out to the same fraudulent address with another {$11000.00} on it which was used up by the time Bank of America realized that it was fraudulently being use they withdrew the funds, overdrawing the account. i have been fighting this since XX/XX/2020. I had filed a police report and I have filed Identity theft and I have provided Bank of America with very thing needed to repay me these funds that are due to me. and i still haven't recovered anything I have NEVER RECEIVED A CARD. and I have provided EDD and Bank of America with my current address. EDD when i did apply for my own benefits was sending me checks to my mailing address so they have it. but they informed, me that to recover those funds needs to come from Bank of America because the fraud happened with them.
Consumer complaint received 2021-04-30
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. (CA)

There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX XXXX - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX Amt {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX - ACCT # XXXX AMT {$10000.00}
Consumer complaint received 2022-08-12
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)

Ive disputed these items several times. I have no knowledge of ever opening these accounts. I have constantly called the creditors concerning this matter and none of MY information matched their file.The creditors illegally used the information that I provided to update their profile.
Consumer complaint received 2023-01-11
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. (GA)

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my rights 15 USC 1681 XXXX XXXXt # XXXX** Has violated my rights 15 USC 1681 section 602 A,. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-09-21
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. (AZ)

Transunion is still furnishing information of an account that is falsely reporting to my credit file. Transunion is not following consumer laws. The account is in violation of 15 USC 1681s-2. This account is not showing any information regarding balance, and payment history, so I don't understand how Transunion is vaildating any information on this account. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), this account needs to be removed from credit file. I have submitted a report through the FTC, Attorney 's General, and XXXX. I have attached a consumer fraud report and a copy of my credit report from Transunion of the account that is showing no information. The following account needs to be removed immediately, XXXX XXXX.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

USAA, reduced my CC from XXXX to {$500.00}, more than {$15000.00} without prior notification. This is an issue for me because it could adversely my credit report. I have never been late or missed a payment, and do not carry a high balance.Even If the company was to lower it by half I would have understood. However, to reduce a consumer CC by more then 95 % is unacceptable. I am a retired XXXX XXXX that is XXXX XXXX XXXX by the VA. I have worked hard to maintain my credit report and at no fault of my own it could now be effected, negatively. After doing some research, this seems to be a negative pattern with this company. How is this even legal? The CFPB should be able to do something about this. I am in the process of buying a home, this senseless act could affect that process.