davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had a bank of america credit card and went through some financial hardships during my last year of school in the beginning of 2017XXXX i was starting to establish a great relationship with bank of america by always paying my card on time and have had 13 years of great credit history. i had an account close during that year of financial hardship and sent to collections which i have now taken care of by settling and clearing it with bank of america back in XXXX this year. I want to start building a realtionship with bank of america again.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-10
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. (TN)

I have a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but Experian and XXXX refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my file?
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite my persistent efforts, a resolution to these concerns remains elusive. Your firm characterizes my request for verification in response to the credit report dispute as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter seriously. If my initial request to verify the items is not acknowledged, I am prepared to file a complaint with the Federal Trade Commission. I respectfully demand validation of the alleged item, specifically the contract, note, or any document bearing my signature. Failing that, I insist on the swift removal of these items from the report.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  should not be reporting the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-12-10
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: U.S. BANCORP (OH)

I have never had an account with US Bank, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account US BANK XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$13000.00} {$410.00} {$18000.00} XXXX PAYS 61-90 DAYS {$5100.00}
Consumer complaint received 2020-10-29
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)

TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX DEPT OF THE TREASURY Last reported XX/XX/XXXX XXXX Last reportedXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-02-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have repeatedly asked for the company to send me a signed copy with my signature of this loan that I allegedly have with them. I have not received any information on the validity of this debt. 



DEPT OF EDUCATIONXXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$40000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$36000.00} {$29000.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$29000.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - XXXX - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - XXXX - - On Time - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments-
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I am paying off two homes with first mortgages on each property. Mr. Cooper is the servicing company and they are charging me on each mortgage the following. 

{$25.00} for Expediated Delivery Fee ( because they faxed the payoff instead of sending it through XXXX ) {$20.00} for Third-Party Reconveyance Preparation Fee ( preparing the Satisfaction of Mortgage ) These fees are not mentioned in my note and mortgage and I have to pay them or they won't release the mortgages. I am hostage to these junk fees.
Consumer complaint received 2021-08-19
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: PRESTIGE FINANCIAL SERVICES INC (CA)

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my credit report and found the following to be in error. I would like these items deleted off my report FCRA VIOLATION. 

XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete off my report XXXX XXXX XXXX  # XXXX - XXXX is reporting past due however I do not have any late payments- please update my report to paid as agreed. Also last date active is showing XX/XX/2018 ( see attached )
Consumer complaint received 2020-05-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  and Experian should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-18
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. (TX)

You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC XXXX XXXX for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When XXXX  confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when Santanders didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.
Consumer complaint received 2021-11-19
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: DISCOVER BANK (GA)

I called XX/XX/XXXX to get my lost card .However, I talked to supervisor who decided they would help me with the removals of the late payments as we were talking she agreed to remove late payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We talked about our kids our relationship with credit improvement and other potential good things coming up in our life XXXXShe told me she would transfer me to department to get them removed. 

She even told me it help boost my scores once they removed them. 
She told all they do was remove the late payments. Then once I transfer I told another story. 

Again I wasn't calling about late payments this agent wanted to help and told me they remove them. I was very upset I stayed on the phone with them for 3 hours got transfer 4 times and no results as promised. Then another supervisor told me file a complaint against the company so I am doing so now he said if I was his family member he file a dispute against them.
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (NJ)

I am submitting this complaint to followup with Experian after they have not answered my numerous calls and letters I sent it to fix the errors on my credit report. I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX XXXX  and the us small business administration inquiries. credit plus did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (VA)

A credit card, that I've had from about two years ago went delinquent. I've done my best to make payments, but due to the cost of divorce, child support, and the lack of making enough money. I had to use said credit card. I've made payments in the past, but haven't been able to make any as of recent. I was never offered a payment plan, never told that Navy Federal Credit Union would take money from my account without my consent or knowledge. They just take the money and mention they " can't do anything about it because it's already pending '' leaving me without money to get to work, pay bills, or sometimes even eat. Today ( XXXX ), I had gotten paid at XXXX, to later wake up to {$0.00} in my account and seen that they have taken every bit of money I had gotten paid to " collect on a past due balance ''. I have since called NFCU, and they had told me they couldn't do anything, but to call a other number 4 hours later when they open. I am now going to be late to work because I don't have money for gas to get to work, and am waiting until XXXX for them to open in hopes I can work something out with them. Until then, I can't pay bills, pay my child support, or get gas to go to work.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OR)

We have an XXXX XXXX account with a Chase credit card associated with the account. Chase apparently added someone to our account without our permission resulting in a volume of fraudulent charges. Chase admitted to their mistake of adding someone to our account. We have been working with the bank to resolve the issue. The bank said we were a victim of identity theft and turned the matter over to their fraud department. The fraud department was investigating and at the same time the bank reported us to the credit bureaus for being late on our payment. When I call the bank I keep getting passed from Customer Service to Fraud to Credit Reporting and no one will take responsibility at the bank to resolve this matter. The bank made the mistake, billed us for charges that resulted from their mistake of adding someone to our account and then reported us to the credit bureau, adversely effecting our credit while we in process of financing a new home. To make matters worse the bank sent us a letter expressing their concerns and is now trying to sell us an Identity Theft Tool Kit through the credit bureaus. I have spent no less than 10 hours, mostly on hold, being transferred between departments at Chase and have had zero resolution. I have no issue making a payment but I should not be paying for charges that were because of the bank 's error and the bank certainly should not have the ability to report me to the credit bureau 's after their mistake
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have attempted to get the credit agencies to remove this account. The credit agencies are now in violation because the statue of limitations has expired on the account listed below. 
ACCOUNT NUMBER XXXX XXXX  - XXXX Date Opened XX/XX/2013 This negative remark should have already been removed from my credit.
Consumer complaint received 2020-07-21
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. (VA)

I have officially filed complaint with the Federal Reserve - Minn against multiple Creditors ; Equifax, XXXX and XXXX XXXX ( XXXX Specifically ) and the CFPB. 

My legitimate issues are being ignored. 

I am frustrated and angry.
Consumer complaint received 2020-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.