davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (NV)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX OF XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BERKSHIRE HILLS BANCORP, INC (MA)

On Sunday XX/XX/XXXX I received a text message from Berkshire Bank asking me to authorize transactions to my account. These were not me, so I quickly replied and said no. I then receive a call from Berkshire Bank asking once again to authorize the four transactions, all that I said no, I don't authorize. They closed my debit card and I thought it was settled. Today, the XXXX of XXXX, I notice all transactions were posted to my account, even though I did not authorize them. 

I call the bank and they tell me " well once it's authorize, all we can do is dispute it. '' even though I did NOT authorize TWO different times. So now I am out {$400.00} because the bank let these transactions get posted. My money was stolen by a hacker and now it's stolen by the bank. I am beyond livid with how this was handled. I have been a customer of this bank for nearly a decade and I feel completely robbed and unprotected. What is the point of their fraud service if they're going to take my money for the next 90 days? I'm disgusted with Berkshire Bank and their way of handling this situation. 

The amounts were : {$100.00}, {$73.00}, {$53.00}, {$50.00}, and {$100.00}, all to XXXX XXXX. It's obvious my account was hacked and used to purchase XXXX  video games. This is {$400.00} of MY money and I want it back.
Consumer complaint received 2018-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Layfayette Funding (AZ)

This is a complaint about a misleading advertisement from Salvation Funding. the attached advertisement was targeted to my elderly mother ( XXXX years old ), in the form of a check. the solicitation does not have the required federal disclosures, no APR, no NMLS #, and is miss-leading. These type of companies need to stop soliciting the elderly that can be taken advantage of. 

XXXX XXXX XXXX this website said that consumers are not given a loan but provided an attorney to get debt relief. 

very misleading and needs to be stopped.
Consumer complaint received 2022-04-05
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. (NV)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX Late Payment {$0.00} Yes XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-09-14
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. (MD)

THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.
Consumer complaint received 2018-07-11
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: CIT BANK, NATIONAL ASSOCIATION (WA)

I have made several calls to CIT. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX account thru Commenity Bank was opened in XX/XX/XXXX with initial balance upon opening account. XX/XX/XXXX balance was paid in full. There was no further activity on the account until XXXX in which balance was also paid in full the same month. XX/XX/XXXX I receive a notice via telephone that {$140.00} is due or account will be handed over to collections. XXXX was immediately paid in full. XXXX XXXX I receive notice of XXXX, XXXX, and XXXX  day late payments that occurred in XXXX, XXXX, XXXX. I immediately contact company and was advised I was billed in error on XX/XX/XXXX and XX/XX/XXXX. Charges paid were then credited back to me. Commenity bank still refuses to remove late payment reporting from credit report therefore affecting ability to obtain home mortgage.
Consumer complaint received 2020-09-14
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. (MD)

THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.
Consumer complaint received 2021-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

XX/XX/2021 I submitted a letter to Equifax disputing the following account XXXX XXXX XXXX Its been past 30 days I have not received anything from Equifax, no response to my dispute this far.
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (NV)

XX/XX/2018 XXXX. 
This is the third time this robocall system has called. 
This number is a government office - not assigned to an individual Call from XXXX Harris & Harris Ltd. 
Call to XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: South Carolina State Housing Finance and Development Authority (SC)

In XX/XX/XXXX I lost my job and was struggling finding a new job. I finally found a job in XXXX but at that point I was already 2 months late. When I finally had enough to make the payment I wasnt able to pay any less than {$4500.00} or 3 months of payments. I applied for a government assistance grant through XXXX XXXXXXXX in XXXX, but the program wouldnt pay anything if I made any kind of payments. Finally by the middle of XXXX they made the payment and I wasnt delinquent anymore. Im just asking for removal of the credit marks from that time so I can buy a new car soon.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MS)

XXXX I was put on a trial loan modification. I paid XXXX, and XXXX but I wasnt able to pay the third one. A law firm sent me a letter stating they were gon na auction my home off in order to satisfy their clients interest in a pass through trust. They have right to foreclose. I have not signed any contract with them for a loan. Privity of contract states that the only parties that can enforce a contract are the original parties to the contract. They were not a party to the original contract. Even if they bought the loan they stilll have no right to enforce the contract.
Consumer complaint received 2020-08-19
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)

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 2020-09-14
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)

The following inquiries were made without my knowledge and need to be removed from my credit profile : XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX   Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020
Consumer complaint received 2018-05-10
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. (TX)

Since XX/XX/2018, I have tried to have these inquiries removed. More and more keep popping up. I have called and opened disputes with TransUnion who refuse to remove the inquiries. I have been victim of fraud and need them removed immediately. They refused to remove them. I attached the inquiry dates below.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (WA)

on XX/XX/XXXX i went to use my card and it was declined when i went in and checked my account it said XXXX balance which was weird cause i know i had a XXXX XXXX  in that account when i opened the current bank app on my phone and started looking i seen that i was getting charged XXXX times a day for XXXX XXXX for anywhere from XXXX XXXX down to XXXX and it was and had been happening for over a month sometimes as little as XXXX XXXX  apart to a couple hours apart i have some that were like XXXX XXXX XXXX XXXXXXXX then another XXXXXXXX XXXX XXXX XXXX XXXX then another XXXXXXXX XXXX XXXX XXXX XXXXXXXX  and this went on for almost XXXX  months from XXXX XXXX  and i seen XXXX of the charges it looked like they added XXXX XXXX  interest for the tip just outrageous tips there are like XXXX something charges in total some from interest online for XXXXXXXX XXXX to XXXX XXXX  for XXXX XXXX.so i contacted current bank told them what was going on they asked me to get them all the recipe numbers so i did and told me there investigators would look XXXX it and it could be XXXX XXXX so XXXX weeks or so goes by and im broke need my money back and contact them they told me they did not see a fault and that they were not covering the stollen money i tried to tell them the charges were in XXXX from what i can tell and asked why the same bank that will shut my card off on me when i buy a pack of gum to late didn't stop stopped the charges for XXXXXXXX XXXX XXXX XXXX  on average of XXXX XXXX  from XXXX miles away who would ever order that much XXXX XXXX  times a day and the lady i was talking to said our investigators made there mind up thats all i can say i tried to get her to get someone that was above her to talk with the only problem is they only contact through messaging so im stuck with no money to pay bills over something that's obviously not me i hope you can help i need to pay bills then i got to looking at there email and over half the charges arent even on tho complaint
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (PA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transcontinental Credit & Collection Corp (TX)

Lost of credit line on credit account closed accounts due to credit lenders balance too high on accounts even when I given double payments amount of debt way too high XXXX in debt have always kept accounts in good standings fees on cash advances when I dont use cash advance features credit score at XXXX but why just wondering why so many negative reports 100 % payment rate wondering who is XXXX XXXX   and also pay off a XXXX loan with interests sad thing no credit for it on credit report may my matter be looked in to please not in need of new cards but I pay on time thank u for ur time incorrect information
Consumer complaint received 2020-09-14
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. (TX)

There are accounts that are not mine on my credit report. Additionally, there are addresses that I do NOT recognize and my names aren't correct that are listed in my personal file. Please remove them immediately. Thank you.
Consumer complaint received 2021-02-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

investigation took more than 30 days i am writing this due to non-compliance with the ( XXXX Experian, XXXX ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASSOCIATED BANC-CORP (WI)

On XX/XX/XXXX we paid our mortgage loan in full with Associated Bank. Since then, we have received several pieces of correspondence in the mail confirming this, as well as a letter confirming the amount that had been escrowed for insurance and taxes which we would receive via check. Since over a month had passed and we had not yet received the check and taxes are due at the end of the month, I called their customer service on XX/XX/XXXX. The representative said that a check had been issued, though he was not clear on the date, he provided two different dates. Concerning, since we had received all mailed correspondence up to this point. Even though we have had no issues with our mail, I provided our new mailing address and he indicated the check would be reissued. Still having not received the check yet today, XX/XX/XXXX, I called again with concern for having the funds to pay our taxes on time. This time the representative informed me that we needed to sign a stop payment affidavit in order to have the check reissued. Trying to do what I could to resolve this issue, I got in my car and drove to the local branch only to find it closed. I called back again, and was then notified that only in-grocery-store branches were open today, none being within 40 miles of us. I then asked to speak with a manager who could only reiterate that the check had not been reissued and we had to go to a branch to sign a stop payment. We continue to follow up and try to be proactive, only to be misled. We have had no issue with our mail, so its interesting that the only thing we dont receive is this check. They have made no attempt to rectify the issue, and feel no urgency in handling the situation.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

This complaint is about PayPal Credit and how they structure their monthly and autopay experience. 

PayPal Credit offers 6 months interest free on internet purchases of more than {$100.00} - great service. 

And while they very kindly let you know in the payment reminder email the amount you need to pay each month to avoid incurring interest, they do not offer a box to check - e.g., " Amount to Avoid Interest '' - in their monthly payment flow or in the autopay flow. You have to remember the amount and enter it in the " Other Amount ''  option. 

So, less digitally savvy people might set up autopay and not realize that " Minimum Amount Due '' does not equal " Amount to Avoid Interest. '' This is deceptive and abusive and I believe they should stop this practice or be fined. 

Thank you
Consumer complaint received 2023-01-27
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

Debt Validation Notice I recently received a copy of my consumer report and while I was reviewing it, I noticed several things that have been documented incorrectly by all the different reporting agencies. 
In pursuant to 15 USC 1681 Accuracy and Fairness of Credit Reporting In pursuant to 15 USC 1681 b Permissible Purpose of Consumer report According to the law before any information is inserted on my consumer report, it should be accurate and fair. In pursuant to 15 USC 1681 b ( a ) 2, It states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. 

According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear. 

I am demanding that you reinvestigate this account immediately and provide me with the requested information within 30 days. I am also demanding that you provide me with an audit trail. I need the following included in the audit trail : The account file and original contract that has my signature on it Account Ledger from the open date through the last date of payment activity All accounting documents from the open date through the last date of payment activity All account transactional history from the open date through the last date of payment activity When was the last date of payment Please be sure to provide everything that I have requested above because based on my findings there are several inaccuracies being reported. Until you can provide me with sufficient proof, I am asking that you cease and desist all collection efforts such as communication by phone, email, postal mail, text message, social media. If this debt has been sold to a 3rd party collection agency, they must also cease and desist all collection efforts until sufficient proof has been provided. 

If you are not able to provide proof of the reinvestigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information.
Consumer complaint received 2018-03-30
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: WELLS FARGO & COMPANY ()

XXXX XXXX submitted her debit card information to XXXX  credit report information. XXXX no longer has a credit card because she has great credit. XXXX closed her credit card information as soon as she received her credit card.