davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to fix and raise my credit score to get a better interest rate for a home mortgage loan. I got a secured credit card from Bank of America a year ago with a {$1000.00} limit. I was getting a high balance reporting to the credit bureaus, so I raised it to {$5000.00} two months ago in may. The credit bureaus indicated with a higher credit limit better chance to get a higher score on my reporting, along with paying down any balance on XXXX before the billing statement that is generated on the XXXX of each month this would reduce the high balance. I then raised it again to XXXX the max it would allow me. I found out Bank of America was not reporting on the  XXXX  of each month on time as they indicated. I get weekly statements from XXXX  and called in to see what is happening? They stated bank of America has not being reporting on time for the last two months? to get me my current score with the additional increase of {$10000.00} limit? I called in to complain two months ago about there reporting and again on XXXX-2021.
Consumer complaint received 2022-10-12
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. (CT)

DISPUTE CODE - XXXX My personal information was stolen in 2018, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please delete and remove all inaccurate inquiries and accounts I have listed immediately, the following includes : XXXX CARD : XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX  XXXX XXXX  : XXXX XXXX  XXXX XXXX  XXXX  : XXXX [ FRAUDULENT XXXX ACROSS ALL XXXX CREDIT XXXX ] XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a follow-up to my earlier complaint. Transunion Finally Responded to the CFPB Complaint. Transunion has claimed they have " Verified '' the CH XXXX Bankruptcy on my report but have not provided how they have verified this information. I have a certified letter from the XXXX XXXX Bankruptcy Court stating that they DO NOT provide information to Credit Bureaus or ANY third parties. Transunion has now, for the third time, failed to respond to my method of verification request concurrent with the FCRA. 
A copy of the response from Transunion is attached to this complaint - Please not this is the first time they have responded likely because the complaint was through the CFPB
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (NY)

Someone has sent applications in my name to these companies listed on this identity theft report. I did not do this & I don't know who has my information but this is fraud.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

made my proper payments to XXXX  credit card for the month of XXXX and XXXX someone that works for XXXX credit card services was able to use my information and get my payment funneled into their hands by acting like a representative of the company trying to receive my monthly payments i realized in XXXX that the payments i made for XXXX and XXXX where not properly placed and not applied ruining my perfect credit history this needs to be fixed and show that was i never late on my payment
Consumer complaint received 2021-07-19
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following credit inquiries listed on my Chex Systems Consumer Report IDXXXX, are all fraudulent, unauthorized and not my credit inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX Bank XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX, XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX  XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX  XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX  XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, and XXXX XXXX XXXX XX/XX/2021. I am a victim of identity theft and has a current police report on file with Chex Systems.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have Bank of America credit card with quarterly reward XXXX dollars if I pay on time. In order to get that reward I set up auto pay for my payment. after due day, I checked my balance, I found the auto pay not working, right way I paid the amount by manually. Also, right way I called the bank to let them know what happened. they said they would take a look. I called them and explained every again to them, they said ok it's their fault and gave my interest back. but they still no pay XXXX reward. they say I am pay late.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I have contacted Experian by phone mutliple times at two different numbers to lift a security freeze. 

- XXXX XXXX - XXXX XXXX After navigating a long phone tree my issue is not resolved. Instead, I am directed to write a letter or lift the freeze on the website. You are not able to speak to an agent on either of these phone numbers. 

After making the request on the website I received the following message : 'We were unable to honor your request to temporarily remove your security freeze based on the information you entered. ' With a request that I should mail in a request. 

I have been able to provide a pin at each juncture in the process. 

I am trying to get power turned on for my new apartment. I have called XXXX XXXX three times and they will not proceed without a credit check with Experian. When I attempt to set up an account with pin the transaction fails. I will be without power until I can get this freeze lifted.
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: Experian Information Solutions Inc. (CA)

I received an alert today from Experian telling me that my scores dropped by over 60 points! When I looked into this issue there appeared a collection from a company I never heard of called XXXX. Once I was able to find out who XXXX was I realized that they were collecting for XXXX XXXX. I personally have never had an account with XXXX XXXX so I have no idea why they are on my credit report. And the bill is only for {$52.00}!!! I am contacting XXXX and XXXX XXXX right now to demand that they remove this from my credit immediately. I am trying to buy a new home and a car within the next few weeks. Obviously 60 points is a big deal to me right now!
Consumer complaint received 2020-11-02
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. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX and XX/XX/XXXX, representatives signed for the certified dispute letters that was sent to XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  for the accounts on my consumer reports. I have not been notified of status of the investigation neither did the company notify the credit bureaus for them to leave the comment required by law stating the the account was in dispute within 30 days. The companies mentioned above have broken the law and I'm requesting that the negative accounts be removed from my consumer report.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I paid a company {$7600.00} for a purchase via XXXX and XXXX, {$6600.00} XXXXXXXX and {$1000.00} XXXX ) for a shipment of almonds. They never shipped the goods. I asked the bank to revert said transfer ( Same bank on both ends, it's WF ) and they denied it, saying they had nothing to do. 
Tried to get the money back from the company, they're not responding and I believe I got scammed. I need the CFPB to help me get my money back. I've been basically robbed and nobody 's doing anything to help
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2021-10-21
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. (NY)

I have sent multiple letters to the credit bureau asking for validation of my accounts ( XXXX XXXX ACCOUNT # : XXXX, XXXXXXXX XXXX  ACCOUNT # : XXXX ) and have not yet received validation. I believe the information on my credit report regarding these accounts are inaccurate. My first letter mailed out to the credit bureau was dated XX/XX/2021. I have sent reminder letters dated XX/XX/2021 and on XX/XX/2021, a dispute letter dated XX/XX/2021 as well. I am losing my patience and am worried about my credit file reporting inaccurate information that can be affecting my credit worthiness.
Consumer complaint received 2021-07-19
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. (PA)

I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-19
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. (PA)

I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, XXXX, TransUnion and XXXX. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it
Consumer complaint received 2020-11-23
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. (OH)

I have tried to use the XXXX  site to obtain my reports and none of the companies will allow me to obtain such report online. Called the number to address the problem only to find out they are indicating my first name is not what I know it to be. Tried to address this problem only to find out I can not talk to a live person to get it resolved. Finally called Transunion and got to talk to a live person named XXXX, on XXXX XX/XX/2020 approximately XXXX hours ; he said he could put on a freeze for Transunion only, said please do this. However, this whole situation is cause for alarm for both my husband and me. My husband has already filed reports with FTC, Transunion, and local police for data and information that is fraudulent on his reports.
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: Conn's, Inc. (TX)

This is a formal complaint against Conn 's XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My card was replace due to fraud activity, Claim was filed on XX/XX/2021 and a police report was also field with XXXX XXXX station, Bank of American took 24 days with a hardship filed for funds. Funds was as placed on card XX/XX/2021 and was told to go inside a Bank American for Identification verification. XXXX branch I went to for verification. was taken by phone with a fraud rep and myself and Bank of American rep. I was told my account has been verified and cleared. Ready for withdrawal. I stood in line waiting ion rep. My transaction was declined for {$440.00} the teller informed me. I tried calling back spoke with very rude individual by the name of XXXX at roughly XXXX XXXX in the fraud department. She stated their was a code on account she would email a unknown department for request to remove code.it could take up to 24 hours. Asked to speak with supervisor. XXXX stated no team lead or supervisors will take the call. I called back and spoke with a supervisor and she inurn got fraud department on line for the fifth time. Fraud department now stated their has been a data branch.
Consumer complaint received 2021-05-28
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. (NY)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (HI)

In XXXX I transferred commands in the XXXX XXXX. I knew there would be a short period of time where my pay was messed up and planned for it. When that period extended beyond expectation, I reached out to Honda Financial Services to get a 2-month deferral on the loan in early XXXX of XXXX so that I could get time for the military to correct my pay and back pay me what I was owed. I was promised that it was approved pending receiving my paperwork and returning it to me. Despite repeated calls this was not done until XXXX and due to my situation as well as COVID restrictions and the XXXX XXXX holiday, that meant that I did not get the paperwork out until XXXX. It was then denied as " I did not get it returned before the billing period ending XXXX. '' I have tried to work with Honda and redo the paperwork for a subsequent 2 month period and that has been stymied as well. 

I am simply looking to get my account balanced out so that when my pay is corrected I can be current on my loan. Additionally as I tried to get them to process the paperwork on time so that I could have it done, I would ask that my credit report be amended to not reflect a late or missed payment, and any fees assessed for failing to make payments that would have been excepted under the paperwork be forgiven. 

There is currently an XXXX investigation into why my pay was not properly handled. I am proactively trying to get this fixed and have enjoyed a positive relationship with Honda up until this issue.