davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

Speedy cash took {$1900.00} out of my account without my permission. A ACH letter is on file with the company Company admitted they made a mistake but left me without any money until the amount can be put back in my account which is 3-5 days!
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

They refused to take my fraud complaint about money taken out of my account after they had closed it due to me being XXXX. I spoke to an unidentified woman at BofA at XXXX XX/XX/2021 and she refused to take my fraud complaint, and she refused to accommodate my XXXX when requested. XXXX and XXXX her supervisor in Delaware refused to serve me or accommodate my XXXX.
Consumer complaint received 2020-11-24
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)

Dear Equifax, To whom it may concern ; i am challenging the incorrect information provided on my credit report and request immediate deletion. Equifax violated the law by reporting a monthly payment on a closed account, reporting incorrect past due amount on a closed account ( there should be no past due amount on a closed account ), and reporting a past due amount on a collection account. I want these accounts deleted from my credit report immediately. 


On the week of XX/XX/2020 i signed up for online monitoring and noticed Equifax is reporting incorrect information on my behalf. I reached out to Equifax for the first time via USPS certified mail with tracking number XXXX. 
Equifax responded with a letter informing me they needed an additional 15 business days to investigate. Keep in mind Equifax is reporting an incorrect name and is using my full legal name as an alias. There are accounts that have different names, social security numbers, and incorrect addresses that Equifax " verified ''. I know that there has been no investigation conducted because i have been getting letters with different names and incorrect accounts. Equifax mailed me a letter with the incorrect name and notified me these accounts have been " verified '' and the investigation is closed. 
I mailed a copy of my drivers license, passport, social security card, and car lease statements with my correct mailing address and name. 

Who is verifying this information? Did Equifax follow FCRA law and conduct an outside investigation? No. I asked for documents that i am legally entitled to for verification and Equifax could not even find a single document linking me to these accounts. I reached out another time on XX/XX/2020 with USPS tracking number XXXX. 


I asked Equifax to update the information and remove all other incorrect names. 
In addition Equifax is reporting incorrect credit limits, incorrect comments, and monthly payments on closed accounts. Is this against the law? Yes and Equifax needs to be fined {$1000.00} for each account they are reporting incorrectly on my behalf. 
I ask Equifax to delete all the incorrect information off my credit report and correct my personal information. I do not want a response unless it's parallel with the FCRA. You can not " update '' a fraudulent account because it is not 100 % correct and therefore according to FCRA Equifax is not allowed to report this account and must delete it. Is this information is not deleted from my credit profile i will pursue a lawsuit against Equifax by using the documentation i have against Equifax. 

I have begun attached a copy of my communication complaint to the attorney general of Texas about Equifax.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

Back in XXXX of XXXX, when the XXXX breach hit the nation, Equifax offered a year of free monitoring. I signed up for this offer. On Saturday, XXXX XXXX, XXXX I purchased a new vehicle. Later that evening, I was informed by the dealership that they could not process my loan due to a freeze that Equifax has on my credit. I logged into the TurstedID/Equifax website, and found step-by-step instructions to lift a freeze. Upon submitting my request, I received a notification that it would take 24-48 hours to lift. Monday, XXXX XXXX, the dealership contacted me again and said the freeze was still in place.I logged into their site, and there was a notice that said the request failed, and to contact Customer support XXXX. I called the number and they informed me that they could not lift the freeze and gave me a number to XXXX ID, who could. I called TrustedID, and they said they could n't lift it, and sent me back to Equifax. Between Monday XXXX and Tuesday XXXX, I spoke to 6 different representatives between TrustedID and Equifax. No one knowing why this freeze was unable to lift. Finally, late Tuesday XXXX XXXX, I spoke to an XXXX ( XXXX # XXXX ) at TrustedID XXXX he said he got all the way to the end of deactivating my freeze, and said it would n't go through. Told me to contact the XXXX Department of Equifax. I called them XXXX XXXX XXXX and they informed me they could not do anything to fix it, and submitted a ticket to escalate my issue. They informed me the process will take 7-10 business days. As of today, XXXX XXXX, my credit is still locked with no updates and the dealership still can not process my loan with this lock in place.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (PA)

XXXX tax return payment was given to Credit Karma but I dont recall where I agreed to it on XXXX XXXX When money was deposited on XX/XX/XXXX I was unable to link to my bank account. It allowed me to login to my checking account and showed my balances but would not link to transfer money from Credit Karma to my bank. Repeatedly called and emailed customer service but they were unable to resolve the issue and I was told I could only access my money from their card. I was forced to activate the card to use my money and have no way of taking it all out of the account.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX deducted {$970.00} from my checking account on XX/XX/20 that I did not authorize. I have filed a claim with XXXX XXXX XXXX but they can not provide documentation regarding how this transfer was done, who did it, where the money went, etc. I have also requested such information from XXXX and have yet to receive that information.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The consumer reporting agencies are violating my FCRA rights please see attached dispute I received a copy of my credit report and i have found that in accordance to the FCRA you are violating my rights under 15 USC 1681 SECTION 602 WHICH STATES THATI HAVE THE RIGHT TO PRIVACY, FUTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX LATE PAYMENT DATE : XX/XX/24 & XX/XX/24
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As of XX/XX/XXXX, TransUnion is reporting an account that was closed on XX/XX/XXXX with a XXXX balance as a " Current '' account with a balance of " {$150.00}. ''
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (MA)

Someone opened a checking account under my name at SunTrust Bank. XXXX XXXX XXXX XXXX, TN XXXX i called Suntrust and they wanted my social security number over the phone and i would not give it to them I am still receiving information about my account in the mail. I live in Massachusetts and there is no SunTrust branches here. I also received notification of enrolling in Overdraft protection, which i did not apply for either.
Consumer complaint received 2017-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a VICTIM of credit inquiries on my credit report. I am a victim of credit fraud and I have inquiries on my credit report that has not been removed after contacting TransUnion on numerous occasions. I have also contacted the companies that these inquires have been made with alone with a police report. I have listed the below companies and dates that they have made inquires on my credit. Customer service would not help and take care of the negative inquiries reporting to your credit report. 

Inquiry from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX Online Info XXXX XXXX NC XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX GA XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX ( XXXX ) XXXX Inquiry form XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-25
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. (TX)

I had 2 loans with XXXX that were charged off. The accounts were sold to XXXX XXXX. I settled with XXXX XXXX. I provided proof of settlement to both XXXX and Experian and yet are refusing to update the account to reflect that its been settled in full.
Consumer complaint received 2022-09-18
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. (GA)

Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. XXXX XXXX, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I had an interest bearing account and a non interest account. I had been paying {$250.00} a month on the special account, So when the interest account came on I sent {$350.00}. They applied all of the money on the interest account and nothing on the other account. When I inquired why. They said the government required them to do that. That would put my other account to go into default. So I sent {$1500.00} to pay both accounts in full. This was in XXXX, XXXX. The special account was requires to complete in XX/XX/XXXX.Well they paid the interest account in full. And there was a balance of {$680.00} more than enough to pay the special account before the XXXX end date. They applied this money to a new interest free account not due until XXXX. I am asking for help because the customer service sent me the rules they follow from the government. It states that the interest account must be paid first and then any monies left should be applied to the special account that is within two months of completion. The customer service Mgr. completed the fix and sent it to the next level. This must be someone in XXXX because they erased what the Mgr. did for me and made it worse. I need help. I can not call customer service ant more. I get XXXX who does not understand.
Consumer complaint received 2021-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC (KS)

VA referral for XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX   while in service and some XXXX XXXX  recently with XXXX XXXX XXXX ). XXXX  at VA appointment said he would refer it out. At XXXX XXXX, XXXX XXXX  were taken ( the basic type ), they said they 'bill a credit card ' at the VA and the VA would be referring more care out ( my XXXX  and service records are at the VA ). VA said they would not be referring more care out after the visit like something went wrong. I've received a bill for {$5000.00} from REVCO Solutions in less than 1.5 weeks with XXXX XXXX XXXX ( the bank I use ) for {$5000.00} and they would settle for {$2700.00} if paid immediately. 

This type of scamming on homes in XXXX KY ( good faith deposit, but unable to get flood insurance for loan ), loss of my home to pay taxes, blocking from real legal ( they only collect information, they say they can't help ), cellular svc dropped calls in XXXX  VT ( where home was near XXXX  station and was previously stationed at the XXXX station in XXXX ), blocked messages, car hit and claimed in XXXX RI after tow operator unreachable and 'dropped ' insurance again ( this happens continuously with 'dropped ' insurance that's paid or Police dont/wont accept proof of insurance ). 

Blocking from XXXX XXXX after filling FAFSA and admission pkg for XXXX XXXX to XXXX  of VT and XXXX XXXX XXXX Not able to get any confirmation while visiting the schools. *I have not applied to any other XXXX XXXX   since then. 

Financial skimming from XXXX XXXX XXXX. Cancelled XXXX cards and had to travel to XXXX VA, XXXX miles to pick up a new one at XXXX XXXX XXXX XXXX, XXXX ( Aunt and Uncles home after reordering XXXX ). 

Harassment with car ( reported to FTC, XXXX  ) by XXXX XXXX XXXX. Multiple disappearances ( theft ) of title ; break in of car, removal of DD214 Mil svc paperwork, neighbors locking the car ( believe that this is a scam with the neighbors and the dealer and multiple keys floating around. I have tried to get it replaced at reasonable price but can not afford it ). 

Military service credit on DD214 manipulated and messed with ( I have 22 years and almost 7 years sea time ) ; to show 1/2 the creditable time and 0yrs sea time. 

Lack of real representation by courts in VT and KS for being assaulted/battery with weapons and deadly force. The people that do this never show for court and unable to ever reach lawyer prior to court. Then when paying fees they are hiked up {$200.00} after 2 years of seeking help/representation between plead no contest to get things working for total of {$700.00} and then referred to another cascading issue of a ticket from XXXX, KS that was a result of 'improper plate mounting ' ( it was mounted properly ) and refusal to accept proof of insurance.
Consumer complaint received 2019-08-09
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: Army and Air Force Exchange Service (NM)

I've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, XXXX, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/MILITARY STAR, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and MILITARY STAR together. So when my finance person and I went back to see what XXXX was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed MILITARY STAR on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XXXX and I am getting very frustrated with the whole system. I am going to try to contact MILITARY STAR again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have filed a complaint against this company before, complaint # XXXX. On my complaint, I stated : " On XXXX 18th_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec XXXX ''. 

The company responded. on their response, this company claims that they are able to provide validation documents. The statement they sent shows an account ending in XXXX and they are saying on their response to CFPB, XXXX purchased the XXXX XXXX credit card account ending in " XXXX '' on or about XXXX XXXX, XXXX. This proves that this account is unsubstantiated and unverified! What made you and this company claim that you verified this account and investigated it??? Furthermore, the company is reporting the status of the account incorrectly! They are reporting the status as " open '' instead of " collection ''. They have violated the California Credit Reporting Act. These violations had caused my credit to be harmed more than legally permissible. I am more than willing to get my legal counsel involved in this matter if this will not be resolved.
Consumer complaint received 2020-12-06
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. (HI)

I have been trying to work with XXXX  TransUnion and XXXX  on resolving inaccuracies on my credit report I will attach one of the letters showing the discrepancies on all 3 that need removed. My last attempt at contacting the took more then the time allotted for them to reply/no response at all to the investigation all items were sent by certified mail and they did not remove the items. As I have stated I have been disputing since the first of the year these inaccuracies and they refuse to fix the issue or ignore me entirely. All 3 bureaus are reporting inaccurate information..re aged accounts etc.
Consumer complaint received 2021-05-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I asked XXXX and Experian for a investigation for XXXX XXXX XXXX  XXXX  and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX and that is fraud