davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

As I have been using my banking checking & savings account. I receive a letter from my Bank of America dated XX/XX/18 that they closed my account.Case # XXXX. They told me that they do not need to give me the reason why when I called them and talked to a customer service personnel. So I had to wait for more than 10 days and on XX/XX/XXXX I am still waiting for my money that was left in my account including my XXXX check. They sent me a letter stating it was a business decision is why they closed my account. I feel violated that they just arbitrarily closed my accounts.Now I had to start all over with a new bank & new bank account and had to change and contact XXXX XXXX to change my new account for direct deposit.Its a sad case of affairs the elderly are affected like this. I hope something is done about this.
Consumer complaint received 2021-10-05
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: Professional Debt Mediation, Inc. (GA)

I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, XXXX and XXXX. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to Professional Debt Mediation , Inc. requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from Professional Debt Mediation has been removed from my credit report. The representative stated that Professional Debt Mediation contacted them to remove the collection from my credit report. I would like for XXXX and XXXX to remove the collection {$4700.00} from my credit report.
Consumer complaint received 2021-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NC)

I have made several attempts to settle this issue but to no avail, then I contact Walmart after checking my statement to find PayPal credit illegally posted a transaction in the amount of XXXX as an order I made on XXXX. I contacted Walmart, there is no order showing on that date on my account. Also, refunds from Walmart were returned to PayPal, no adjustment been made to the proper transactions, enclosed are documents Walmart refunded XXXX towards XXXX XX/XX/2021, promotional expiration date Walmart refunded XXXX towards XXXX XX/XX/2021, promotional expiration date. 
PayPal already have these documents
Consumer complaint received 2018-06-20
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. (CA)

I contacted Experian asking for accounts to be verified per FCRA Section 609 ( a ) ( 1 ) ( A ) Provide Physical Verification Creditor of the following accounts : Public Record # XXXX ( Not my account or public record ) XXXX  # XXXX ( Account was paid like previous account with this creditor ) XXXX XXXX XXXX XXXX # XXXX ( account was never late ) XXXX # XXXX  ( account was paid in full and never late like previous account with this creditor ) XXXX XXXX  # XXXX ( account was transferred to new creditor and paid in full ) Experian has to provided me the documents I required which is required by law.

I also have returned mail from inquiries on my report which were returned due to incorrect address and when contacted Experian to delete because Ii didn't authorize these inquires and the information they are providing ( the address of the creditor is incorrect ) they refused my copies of returned letters The following Inquiries : 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 2020-07-16
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: AMERICAN HONDA FINANCE CORP (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (LA)

According to my credit report, this account, which was paid in XX/XX/XXXX, was opened in XX/XX/XXXX. It was reported as a delinquent collection on XX/XX/XXXX. I have not received any documentation from this company verifying this debt.
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (IL)

On XX/XX/XXXX, I disputed with ATG Credit two items on my XXXX  Credit Report that were sent via certified mail. ATG Credit never replied within the time frame allowed. On XX/XX/XXXX I disputed with ATG Credit again regarding the two items on my XXXX  Credit report, ATG Credit did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified.
Consumer complaint received 2018-06-20
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. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX  directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.
Consumer complaint received 2018-06-20
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. (IL)

The following company below has placed an inquiry on my credit file that I did not authorize. I no nothing about it and I would like it removed right away. 

Requested on XX/XX/2017 Company : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-06-20
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: Experian Information Solutions Inc. (IL)

The following company below has placed an inquiry on my credit file that I did not authorize. I no nothing about it and I would like it removed right away. 

Requested on XX/XX/2017 Company : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

I bought a car in 2015 and it was the 2nd car through the dealership, the first car was broken so I was roped intoo a new purchase of a used car and I'm paying for 2 cars but driving 1. Ally financial has changed my address without my permission ILLEGALLY or my moving so I do not receive correspondences. I have called over a dozen times to resolve the issue, they said an investigation is underway, I ha ent heard anything in over 6 months. They also, never changed my due date when requested and I just feel I'm being completely ripped off by ally AND the dealership. they use racketeering practices and are XXXX.
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (TN)

I noticed there was a debt on my credit report and contacted Cavalry Portfolio Services. I received a call back from a place called XXXX XXXX who said they collect for the debt collector Cavalry. 
Through various communications and letters the amount given ( what they said they purchased & I owe ) changed 3 times. I spoke to several people and was offered a settlement around {$700.00} to close the account & remove from my credit report in which I agreed to just make this go away. Several times I spoke to a lady named XXXX. 
Each time I contacted them I gave them my PO Box as I never received any mail from them with this so called agreement they were sending. On one occasion I spoke to a lady asking when this agreement would be sent and was told it was in my best interest to go ahead and pay it today before it became a charge off and was on my report for 7 years. 
On XX/XX/XXXX I tried to get a loan for a house and was notified about this open account from Cavalry ( I had forgotten about ) and tried calling them again. On the third attempt I got a guy on the phone who was very rude and shut me down telling me he wouldn't talk to me and I should contact their lawyer at XXXX. 
XX/XX/XXXX I contacted the law office and spoke to a very friendly lady whom discussed the issue and then contacted Cavalry about a settlement on the account. Cavalry again changed the amount and told her nothing less than {$800.00}. 
The customer service at Cavalry is beyond horrible.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (DC)

I received a letter from XXXX XXXX stating that they closed my Care Credit  account in XX/XX/2018. I paid off the balance on this account in XX/XX/2018. I look on my credit report to find out that they also closed my XXXX XXXX account without notification. 

I do not understand why my accounts were closed 2-3 months after I paid them off. 

I did not put a request into the company to close either account.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

TD/BANK USA/ TARGET CREDIT ON XX/XX/2019 THERE WAS A 30 LATE ADDED TO MY ACCOUNT AND NOW THE LAST TWO YEARS IT IS NOW SHOWING 60 DAYS LATE. HOW CAN AN ACCOUNT BE 30 DAY IN ONE YEAR THEN CHANGE TWO YEARS LATER. I HAVE CONTACTED THE COMPANY AND THEY KEEP SAYING THE 30 DAYS IS CORRECT BUT IT IS SHOWING 60 DAYS.
Consumer complaint received 2020-04-30
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. (TX)

I paid off my XXXX Loan # XXXX on XX/XX/2020. XXXX has updated the credit bureaus that the loan has been paid in full expect Equifax. I submitted a dispute to Equifax and the result came back as still owing a balance. The loan balance had been updated to XXXX and then Equifax placed a balance back on the account.
Consumer complaint received 2024-01-31
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)

I hope this letter finds you well. I am writing to express my dissatisfaction with the first attempt made by your company to remove fraudulent items from my account. 

I discovered unauthorized transactions on my account, which I promptly reported to your customer service department. I appreciate the swift response and initiation of the investigation. However, after the first attempt to remove the fraudulent items, I am disappointed to inform you that the issue persists. 

Despite providing all the necessary information and documentation as requested, it seems that the resolution process has not been as effective as expected. I understand that addressing fraud cases can be challenging, but the lack of success in the initial attempt raises concerns about the efficiency of your fraud prevention measures. 

I urge your team to thoroughly review my case and take immediate action to rectify the situation. It is crucial for my peace of mind and financial security that these fraudulent charges are promptly removed from my account. 

Additionally, I request transparent communication regarding the steps being taken to resolve this matter and prevent any further unauthorized access to my account. A timely and comprehensive resolution is essential to restoring my confidence in your company 's ability to protect its customers from fraudulent activities. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$150.00} 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX XXXX Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$150.00} 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 2020-07-16
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-02-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (MD)

Based on my research, I have experience a difficulties and mis communication in regards to taxes and insurance which I was directly to pay accordantly and on time, which I have been paying the taxes and insurance on time in timely fashion. However I have been sick prior toXX/XX/XXXX. I'm not late on my taxes and insurance. 

I was previously offer a modification with a servicer who I have a reverse mortgage currently with. I according to my research, I was told that If I'm in reverse mortgage I shouldn't be offer a modification, because servicer pays the mortgage. I'm responsible for only paying the taxes and insurance which is update. 
I have paid the servicer {$30000.00} by certified checks and nothing has been applied to my account and still want me to pay additional {$15000.00} which is in question, If not I would be put into foreclosure. There are several ultra violation and RESPA / Truth n Lending /Preditory lending practice/Dodd Frank Act.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TX)

Company reported my loan Moneylion Credit Builder Plus loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. Moneylion is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. Money Lion is  causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted Moneylion.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address the inaccurate, erroneous, and incomplete reporting of the following accounts on my credit report, severely impacting my credibility and quality of life. Upon contacting the associated banks, they confirmed the reported information is inaccurate. While unable to provide records, they assured me of promptly removing the erroneous accounts. 
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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, TransUnion and XXXX. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to XXXX XXXX XXXX XXXX XXXX requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from XXXX XXXX XXXX has been removed from my credit report. The representative stated that XXXX XXXX XXXX contacted them to remove the collection from my credit report. I would like for XXXX and TransUnion to remove the collection {$4700.00} from my credit report.
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft  and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX