davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on XX/XX/2019 - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.
Consumer complaint received 2024-02-24
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. (GA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 XXXXXXXX XXXX
Consumer complaint received 2020-07-09
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)

The inaccurate entry being reported under Experian. I have repeatedly asked for evidence to support your reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX  which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

The account has not been updated since XXXX 2019 ... ...
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I've tried several times to settle the debt starting back in XX/XX/XXXX they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 
XXXX XXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
PLEASE DO NOT SEND ME ANY STALL LETTERS! 
Best regards, XXXX XXXX
Consumer complaint received 2018-09-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please delete the accounts as Experian has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Experian has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Experian has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Experian still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/2018, I mailed my final certified letter to the Experian Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter to Experian and the proof that one of these accounts is in the wrong last name. 

Please demand that Experian uphold their obligation to delete all of these items from my credit report.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On XX/XX/18 I mobile deposited a {$35.00} USPS money order and they put the funds on hold until XX/XX/18. I need this money to pay my bills before then. How can they put a money order on hold when it is as good as cash?
Consumer complaint received 2020-07-09
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: ONLINE Information Services, Inc. (TX)

I have 5 collection on my XXXX report that do not belong to me. They range from $ XXXX {$510.00}. I have at least 3 disputes and they keep saying it is mine. I called online information services ( collection agency ) and they verified it is not mine. XXXX individuals stated they can't not correct it. The last time I called I was left on hold for at least 10 minutes then they disconnected the call. This has dropped my score 56 points and I still got no help. This has been going on for almost a month. I don't know what else to do to get it corrected.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (NY)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (NY)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

I checked my credit and saw an account from Bullcity for XXXX XXXX for {$870.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/18 Bank of America charged my checking account ( # XXXX ) for two wire transfers of {$4600.00} when I only authorized only one. They admitted that it was their mistake but they said they will not be able to put the money back in my account until XX/XX/18. This is completely wrong and the funds should be put back into my account immediately. Meanwhile my account is overdrawn, I can not pay my bills or get any cash. I will be switching banks tomorrow but this type of banking activity should be stopped.
Consumer complaint received 2018-09-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (LA)

On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX to ask for the deficiency letter of the sold vehicle. The manager told me they no longer are handling my debt and it has been turned over to Aldridge Pite Haan, and they will have that information. I immediately called Aldridge Pite Haan and spoke with XXXX XXXX who told me they don't have a copy of the deficiency letter. They only had the amount owed which is {$6200.00}. I asked Ms. XXXX if her company were license to collect debt in the state of Louisiana. She said she wasn't sure. I told her I needed the deficiency letter so I can see how much the vehicle sold for. She told me she doesn't have that information. I then ask for validation of debt. 
On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX again to ask for a deficiency letter, Mr. XXXX said he would have to ask his manager if he could send me a copy, and his manager agreed. I received a deficiency letter, with payment listing from XXXX XXXX XXXX XXXX, and a letter from Aldridge Pite Haan with a copy of the sale contract. After reviewing all documents there are different amounts claiming I owe. 
On XX/XX/2018 I contacted the Secretary of State for Louisiana to find out if Aldridge Pite Haan are licensed to collect debt in Louisiana. As of XX/XX/2018 there are no license on file for them. XXXX XXXX XXXX XXXX had given my information to a debt collection company that is not license in Louisiana. I am in process of rebuilding my credit and this is affected my credit the most.
Consumer complaint received 2022-04-06
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)

on XX/XX/22 i sent a letter to transition disputing information on an account named XXXXXXXX XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report it is only showing up on this report the other two reports have removed permanently off their system
Consumer complaint received 2020-10-23
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. (NY)

On XX/XX/2020, I sent a letter to Equifax via USPS Certified Mail that disputed two accounts on my credit report. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. After 30 days, which was XX/XX/2020, I had still not received a response from Equifax regarding my dispute. Therefore, I sent another letter via USPS Certified Mail on XX/XX/2020 that requested for the two disputed accounts to be removed from my credit because they did not respond within 30 days. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. It has now been 55 days since Equifax received that letter, and they have still not removed those accounts from my credit report.
Consumer complaint received 2017-10-26
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. (MA)

Requested Equifax, XXXX and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form XXXX show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached Equifax credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX )
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I SENT DISPUTING LETTER TO EXPERIAN AND NOTHING HAS BEEN CHANGED ON MY REPORT. 
AND ONLY EXPERIAN HAS REPORTED I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have 5 collection on my Equifax report that do not belong to me. They range from $ XXXX {$510.00}. I have at least 3 disputes and they keep saying it is mine. I called XXXX XXXX XXXX ( collection agency ) and they verified it is not mine. Equifax individuals stated they can't not correct it. The last time I called I was left on hold for at least 10 minutes then they disconnected the call. This has dropped my score 56 points and I still got no help. This has been going on for almost a month. I don't know what else to do to get it corrected.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a check of XXXX dollars on XXXX XXXX and it cleared XX/XX/2022 I have power Of Attorney for my uncle who is in prison. I did not know about XXXX party not been accepted at chase bank. I was told to upload the document which the bank did. Then was told it was expired to get new Form which I did with my uncle. Took it to banker he uploaded called customer service which was told it was accepted and will mail check out because they had closed my account. Or to open new account and will be deposited. Which never happened I called customer service again was told forms were not accepted they would need to verify with my uncle I gave them all information to them to call prison to verify. Nobody is trying to help with that I have everyone name times who I spoke to it's going on 2 months. I asked for them to send back check to the maker XXXX XXXX. My XXXX needs his money it's not right and they have no reason to hold the check its XXXX they cleared. I dont know what else to do. I just want them to issue back to the maker of the check. Need Help Thank you for your time
Consumer complaint received 2020-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Since the coronavirus lock-down ( XX/XX/2020 in California ), I have written 3 secured email messages from the Penfed website over the last 4 months. All received an auto-reply stating that they received the message and would reply ... however, they never replied. I tried calling the company several times ; every time I was placed on hold for over 15 minutes, with instructions to contact them via secure message,,, which, of course, never worked, since I never received a reply. Today, XX/XX/2020, I stayed on hold for around 30 minutes,,, I finally reached someone, who then placed me on hold again, presumably to wait for another agent, but that agent never arrived, and eventually I was disconnected.