davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The bank holds my money and makes interest off of my money in exchange for me knowing my funds are safe AND accessible. Banks have fraud blockage of certain transactions to prevent losses- understandable. Here, their system FAILED, my vacation is RUINED, and no sort of compensation besides a 'sorry ' has occurred. Let 's be clear, I lost : covid tests, time, planning, calls to XXXX XXXX, coordination, a sitter for a pet, XXXX rides, and my vacation time, ALL BECAUSE Bank Of America REPEATEDLY DENIED me the RIGHT and ACCESS to my OWN funds. When I first purchased my flight ticket for my vacation ( which I watched the price for over 5 days to wait for this low price ), it was blocked via web browser. I called the company to use their system in case it was a computer error. Once I tried the transaction, immediately their phone payment system told me it failed and I INSTANTANEOUSLY received a text verification from Bank of America asking if I authorized the transaction. They estimate that I sent " YES '' within ~45 seconds. I waited about 2 minutes and repeated the process with the Viva employee- they have FALSE OR DELAYED estimates about when this occurred on their end. To pay again, I had to talk to the employee, explain what happened, and then start over with a computerized system they use in which I must ( step by step ) enter card number, then exp date, then cvv all on my phone after prompted by the computer speaker- all that to show it takes TIME. I have images showing my card was repeatedly blocked. So, I lost my XXXX rides, was stranded after picking up my covid test results, lost my vacation days, the flight is now more expensive, and I can't go vist my family, ALL BECAUSE THE BANK SYSTEM FAILED TO ACT IN REAL TIME AND FAILED ONCE I CALLED IN TO RESOLVE THIS IN REAL TIME. I'm a XXXX, the price is the least of the concerns, the most insulting piece of it is that they think that paying the difference on the flights would be too much. What I already lost, even if I booked the next day, was time with family, XXXX rides, test results, stress- ( biodamage not ever quantified in real life ), etc. They would have to do much more to make it truly fair. The equalization of cost to where I would only pay my original fare is the VERY LEAST they could do. They BLOCKED me from USING MY OWN FUNDS, MULTIPLE TIMES, and DENIED ME MY VACATION and my trip, losing me funds and lots of time in the background. To say I'm irate is an understatement. I don't recall the last time I have been this mad or used caps lock that many times. Cheers. Imagine it happened to you. " We're sorry sir, it should work now that the flight is {$300.00} more. '' And I found an image of a cheap one because when I called to get that new one at XXXX they told me it was now over 1200.
Consumer complaint received 2021-07-18
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: EQUIFAX, INC. (NC)

I have disputed inquiries on my Equifax report ( XX/XX/XXXX ) waited 30 days for a response to have the disputes verified or removed and have not received any response. 
1 ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was in XXXX branch of capital one bank to withdraw a cash of {$500.00}, to make a purchase for my business in XXXX store near XXXX.I would have made my purchase with my debit card but unfortunately I left my card at home. As I was filling my teller for withdrawal the teller attending to me made a call through to whoever, that I have a ppp loan deposited in my account. I was called immediately from capital one fraud prevention unit by one XXXX XXXXshe gave me an email address and asked me to forward my XXXX tax return. I did sent it the same day XX/XX/XXXX. The morning of XX/XX/2021.I got an email from capital one bank stating that my account has been restricted. I have a balance of {$7700.00} in my account. I have been calling the number that was on my email, but it was never available. I went back to the XXXX branch of capital one on XXXXaround XXXXBecause I needed to know what is happening, why the bank wasn't talking to me and my account was restricted. I was given another number to call. by the teller. The number was on hold for more than 2hrs until it got cut off..I pray CFPB to intervene on this issue.
Consumer complaint received 2021-05-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (TX)

I paid the debt of {$840.00} with debit card ending in XXXX on XX/XX/21 to Ad Astra Recovery Service phone number XXXX. The day I paid, I specifically informed the representative named XXXX XXXX that I needed to get this off my credit report because my lender instructed me to pay some of my debt off. I made it clear I needed this off. She said that the phone call is being recorded after she told me she couldn't give me a letter stating that this would be deleted from my credit report. I said its her word against mine I need something saying its going to be deleted from the credit report. She then stated that I would receive something in the mail indicating that I paid. Well here we are over two whole weeks and have not received a receipt. Then I find out today they have the wrong freaking address so I had to provided the updated address. This entire time they were being extremely sarcastic with me so I hung up on them after I obtained the information needed. This must be deleted from my credit report asap. I had another debt larger than this amount and they deleted it in a timely manner. I know it can be done. These debtors or whatever they are called are very deceiving and divert from the issue! If my explanation isn't completely understandable, please do not hesitate to contact me. My phone number XXXX XXXX XXXX
Consumer complaint received 2021-07-18
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: Santander Consumer USA Holdings Inc. (CA)

Santander and XXXX continue to corroborate on unethical and illegal practices. They were sent a debt validation letter. They produced a basic counterfeit copy. I asked for the original wet ink signature that showed I was ever in business with Santander. To no avail. Also i never gave XXXX written permission to furnish my information which is required by the FCRA Title 15 usc 1681 b2. Secondly XXXX never ran a consumer report investigation which requires them to interview my neighbor or family member. I dont have a neighbor so which family member did they interview.
Consumer complaint received 2021-05-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Happy Money, Inc. (FL)

I opened a personal loan with payoff a few years ago during some financial hardships. I have regularly made payments and then realized I was being charged extra interest and had fallen victim to a predatory loan company. I started struggling to make payments during 2020 as I lost my job during the covid pandemic. I am currently working again and need to catch up on payments. Now I am being harassed by the company and have received over 300 emails for debt collection. They are sending an email every 10 minutes for weeks. I cant even use my email address anymore and I am suffering anxiety and panic attacks. I have to begin counseling next week and am having serious mental and physical health issues due to this company. I want them to cease all contact with me and I will pay what I can if I can when I can. Or I will be filing a civil suit in court and take legal actions.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

If XXXX, XXXX and transunion continues to ignore every dispute letter I send out I will have to take legal action against all three bureaus.
Consumer complaint received 2021-05-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (NV)

Again and again while obtaining my credit report I've noticed inaccurate and fabricated information on my credit report regarding the account of Ally Financial Bank ... See attachment!!! On report XXXX date of last activity section of the following listing. Experian '' is reporting a date of last activity of XX/XX/2018. However, Transunion is reporting a date of last activity XX/XX/2018. If this is the same account, reported by the same creditor how are numbers different? THIS IS IN VIOLATION OF MY RIGHTS. This account has been so negatively impacting my life. While they are continuing reporting inaccuracies I have been disputing this for more than a year it has not been resolved. With little to no response back. I request that this account to be removed from my credit reports immediately due the face Ally Financial is reporting inaccurate and inconsistent information on my credit report.
Consumer complaint received 2020-11-04
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. (GA)

An identity thief opened a fraudulent account for {$500.00} with XXXX in my name around XX/XX/XXXX. XXXX and XXXX have removed the fraudulent account from my credit, however Experian listed XXXX as a chargeoff for {$740.00} and it is negatively impacting my credit by lowering my credit score 150 points. It is making it difficult for me to apply for an apartment lease. I contacted XXXX on XX/XX/XXXX and they told me that Experian made a mistake in listing it as a chargeoff instead of removing it from my credit, but they refused to help me any further. XXXX stated that they would contact me within 24 hours of XX/XX/XXXX but they never called me back. Attached are my credit scores from XXXX and XXXX, my dispute results showing that this fraudulent account with XXXX was removed from my credit with XXXX, and the ID theft affidavit that I sent to XXXX around XX/XX/XXXX. XXXX never attempted to contact me to verify my identity before opening this fraudulent account in my name. I never signed any agreement with XXXX. XXXX makes it too easy for identity theft to occur and they are very unhelpful in assisting in correcting the identity theft situation that they have created.
Consumer complaint received 2023-06-11
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. (TX)

These Accounts : ( XXXX. ) XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I submitted a complaint with CFPB on XX/XX/21 ( COMPLAINT ID XXXX ) concerning credit bureau Equifax incorrectly reporting my auto loan with XXXX XXXX as being closed " per consumer request '' twice in XXXX. Since filing the complaint with your company, I received an update on my complaint that the company has responded. When I checked my credit report today, I noticed YET AGAIN that Equifax has reported my account closed again on XX/XX/21 causing my credit score to drop another 16 points! This is the third time they have reported incorrectly ( once after the complaint has already reached them ). This is not fair to me considering I have been trying everything I know how to keep my credit scores over a 700 so that my husband and I can purchase our new home with a VA loan. Please resolve asap.
Consumer complaint received 2024-02-04
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. (FL)

SOMEONE OPENED A XXXX XXXX XXXX in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, XXXX level, etc. I filed an identity theft report and I only found out about this in XXXX of XXXX. I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! I HAVE BEEN HOSPITALIZED FOR MULTIPLE OVERDOSES IN WHICH I WAS CONTEMPLATING XXXX  DUE TO THIS SITUATION!!
Consumer complaint received 2022-03-28
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: First Financial of Columbia, Inc (SC)

Account for first financial corp open date XX/XX/XXXX has been in collections on account since. Came off credit report XX/XX/XXXX. It was re-reported XX/XX/XXXX. As an account saying paying under partial agreement. There was never an agreement made to pay this debt.
Consumer complaint received 2020-11-01
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. (NJ)

I submitted a request to the Mortgage company and to all three credit reporting agencies to fix the credit report status of the home mortgage loans. I have been in forbearance status since XX/XX/2020 due to Coronavirus. I have been unable to receive a much-needed loan to help my XXXX  due to this reporting being negatively listed on my credit report. I have reached out every month to get this fixed with no results. I have requested my report to be correct numerous times. I was denied SBA loans because of these negative reports.
Consumer complaint received 2020-11-14
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. (NY)

There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation
Consumer complaint received 2020-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

On XXXX, CREDIT SYSTEMS added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CREDIT SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (OH)

There is a collection on my credit report from a company that I never heard of. The " Collections company '' is listed as Credit Mgmt - XXXX. The " original creditor '' is listed as XXXX XXXX XXXX. The amount is for {$780.00}. It says opens since XX/XX/XXXX and last account activity shows XX/XX/XXXX. This is not my account. This is totally unfamiliar to me. In the payment details sections it says " XXXX / XXXX ''. 

When I googled XXXX XXXX XXXX, a company called XXXX XXXX came up. When I called the XXXX XXXX company, the lady answered and knew of the XXXX XXXX XXXX company. She said that it was part of XXXX. She went to offer me her credit repair services and said for {$100.00}, she could get this item removed from my credit report. I declined because this is NOT my credit responsibility. 

I called XXXX ( whom I do have an account with that is is perfect standing and no past due balance ). The person at XXXX said that XXXX XXXX XXXX is NOT their collections company and that I do not have an outstanding bill.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (MS)

To LexisNexis Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent! THIS IS XXXX!!! I AM SUBMITTIING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I have reached out in regard to these varies of accounts. These companies have repeatedly broken several of congress laws. These companies have repeatedly invaded my privacy. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I would like to have all names removed from ALL 3 reporting agencies and reported as such. 
XXXX XXXX XXXX, I am only 1 person. I have no other names or priors. 



Credit Report Date : XX/XX/scrub>XX/XX/XXXX  Name : XXXX XXXX XXXX ( only name that should appear ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Former : - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-28
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: Adler Wallach & Associates, Inc. (TN)

I have never applied credit from this Institution, A bill without signature does not imply that the debt is legit anyone may send bill and claim ownership. I am requesting you to send the Contract bearing my signature showing I have legal obligation to pay your company.
Consumer complaint received 2021-05-28
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. (MI)

MY DOB is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-10-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

JPMCB Auto it is showing on my credit report as bad debit and charge off and it's a discrepancy. So I disputed it on my credit report and they will not return no phone call or will not send me no mail on why they not looking into it and I thought after 60 days you send them something they're in the mail they supposed to reply to you it's been 9 months and I haven't received anything in the mail from them at all so can you please investigate this? Or have them too remove this from my credit report because they keep selling it to another creditor to make my debt higher