davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has my old account listed as " Check Fraud '' with XXXX XXXX XXXX ( XXXX  ) '' preventing me from doing anything of importance with financial instuitutions. I contacted bank of America, XX/XX/XXXX, where I spoke to fraud, atm fraud, account closures and other departments to get the information I needed to prove my case. 

After several blind transfers, 4 hang-ups and the rudest supervisor I had ever spoke to with a condescending tone and very XXXX  attitude towards the situation, I was not able to get anywhere. I disputed the information with XXXX  in which they were able to prove something I was not, and I am involved. 

I stated that in XXXX, when my account was negatively impacted, BOA advised me to get a police report for the incident, but at the time, the police station stated that in order for me to file a report, I needed " evidence '' of what happened and something showing who was actually involved. BOA had this information but refused to release anythign to me. So, at that time, I said " forget it ''. BOA was to do a " PROPER '' investigation in which they would have seen I was not responsible for anything negative regarding the account. BOA failed this investigation and just labled me as the " accused '' because it was " easier '' but not factual. 

The account actually closed because there was an " electronic '' deposit that wasn't real. I had no way of doing this. How can I, a non-hacker without any hacker access, be able to ELECTRONICALLY deposit money that was never there? I have never been able to do this, and if you look at my banking history, it shows the same. 

BOA is now know to be the worse bank for the general consumer. They have screwed a lot of people 's files because of their lackadaisical internal processes that only helps the bank or their top dollar consumers. 

This just isn't fair, and I need advocacy. I'm starting here after failed attempts with BOA and XXXX. Then, I am writing the attorney general, and last, I will use my own attorney for a civil dispute.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About a month ago, I got a letter from Bank of America, which issued my Visa card, telling me to expect a new credit card in the mail, because a some unidentified merchant apparently had a data breach.

I have called both BofA, and Visa, and neither will tell me which merchant mishandled my data. The BofA representatives tell me Visa wont tell them. The Visa representative tells me its a decision made by the bank that issued my cardin this case BofA. 

I want to know which merchant mishandled my data, so that I can stop shopping with that merchant. Put simply, I dont want to spend money with a merchant that cant protect my data. Yet neither BofA nor Visa will tell me. This seems wrong. 

I cant figure out any reason why the information about which merchant mishandled my personal data should be kept from me.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (VA)

XX/XX/2022 at XXXX XXXX  ET, I've received a email from Goldman Sachs stating I was denied for the GM card by Marcus due to not being able to verfiy my identity. I called Godman Sachs and the customer service representative wasn't able to help me verfiy my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " We're unable to verfiy your identity ''. 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
Consumer complaint received 2018-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today XX/XX/2018 I called Transunion to see if they could of removed the inquiries in my credit report because my wife and I are trying to buy a house. So they said they wouldn't because I need to call each creditor. I called the creditors before calling Transunion to get them to delete them. They all said they love to help me but unfortunately Transunion is the one that erases the inquiries. I called Transunion and they didn't help me with my issue the representative didn't help me speak to a supervisor either. She insisted that I call all the creditors back. I told her that they told me to call them that they will erase the inquiries if I spoke with a supervisor. 
Obviously nothing was solved I don't like to complain but at this point they are keeping me from bettering myself and is not fair. I also was one of their customers that got a charged off account erased of my report and then a week later they put the account back with out telling me anything about. Why would they remove something of my credit and then put it back. That does not make any sense.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/SYNC BANK XXXX OPEN DATE XX/XX/2019 BALANCE {$4900.00}, CREDIT LIMIT {$4500.00} PLEASE FORGIVE MY DEBT I WAS NOT TAUGHT WHAT CREDIT DOES AND HOW IT WORKS. I WANT TO BETTER MY LIFE SO I CAN BE ALLOWED TO BORROW AND REPAY LATER IN LIFE
Consumer complaint received 2018-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently sent Capital One an email in regards to Credit Bureaus, I can say one thing is I finally got XXXX to remove the Un-Authorized Hard Inquiry off my Credit Report. But the battle is still on with XXXX and XXXX. Its been 21 days since my last email and I was told that very same night I do believe that there was an on-going investigation, and in those 21 days I have not heard a thing from Capital One. I dont know whats so hard about this situation. This is 3rd Attempt, the Previous 2 Attempts no results and no answer each so-called investigation more than 45 days old. 

No one within Capital One apparently knows how these Hard Inquires got on my Credit Report as Hard Inquires but I can say one thing this is not fair to me as the consumer when I never filled out an application nor did I authorize your company to pull my credit report. I guess I will have to open a FRAUD CASE against Capital One since how, all your company wants to do is send me one of your automated letters stating that Capital One does pre-screening. What I want to kow is what is your company pre-screening on me. I didnt request yalls buisness, I dont want yalls business, and your business does not belong in my XXXX and XXXX Credit Reports. 

And I dont want your company pre-screening my credit file. All im asking is for Capital One to remove these 2 Hard Credit Inquires from the 2 Credit Bureaus. Whats so hard about that.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Beginning in XX/XX/2023, I requested a copy of my consumer report after being denied an extension of credit from an auto dealer. Upon reviewing my reports I found several inaccuracies throughout my report. I then submitted dispute letters to validate and correct the information. I received a response from the credit agencies that simply said the information was verified. However, in my dispute letters, I required that the reporting agencies provide me with the initial account documents that would have established the alleged debt as well as the procedure used and the parties involved in their investigation. None of that was provided. After the first, second, and third attempts to get this information that is required by law when requested, I sent another letter informing them of their willful negligence to comply with the law and my rights to privacy, accuracy, and fairness in the reporting and sharing of any of my personal information. However, my requests for them to comply with the law are still to date being ignored and I am still being willfully violated. I have included with this complaint, a copy of the letters and invoices I have provided to the agencies for violating the consumer protection laws that were created to protect my privacy rights and fairness in the reporting of my personal information. As a federally protected consumer, I have been financially and emotionally injured by these private agencies who are actively committing identity theft as I have not authorized in writing or otherwise the reporting of my non-public personal information or transaction history as it relates to the alleged debts and accounts disputed.
Consumer complaint received 2022-04-30
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. (AL)

IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS.

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2019-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC (MA)

i went to triad in my car for a newer one and was told that my car is not worth what they are charging me and that i have XXXX $ in negative equity and i still have over two years left on the loan and owe over XXXX $ and i was told that my loan should of been paid off because its not worth what they are charging because my car is only worth XXXX $ and by the time its paid off it will be worth XXXX $
Consumer complaint received 2023-04-04
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. (CA)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-30
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. (AL)

IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2019-11-15
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: JPMORGAN CHASE & CO. (AR)

CHASE S REPORTING 2 DUPLICATED MORTGAGE ACCOUNTS WITH TRANSPOSING NUMBERS, CHASE MUST FORCE XXXX  TO ALLOW YOU TO REMOVE THESE FROM MY CREDIT FILES CHASE HOME FINANCE LLC LOAN NO.XXXX AND CHASE MANHATTAN MORTGAGE XXXX. 

STOP PAYING THEM FOR VIOLATING F.CR.A. AND THE DODD FRANK ACT.  THIS IS MY 3RD REQUEST SINCE 2015.
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-06-09
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-04-30
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. (FL)

Under the Fair Credit Reporting Agency, Experian violated my rights. I disputed account XXXX because it contains adverse items on my consumer report which under 15 U.S. Code 1681i ( a ) Information excluded from consumer reports- Procedure in case of disputed accuracy- ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Account XXXX contains late payment information which are adverse items. 

In addition Experian violated 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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 in accordance with paragraph- Procedure in case of disputed accuracy. Experian stated in CFPB Complaint Number XXXX-Response stated that no accounts existed on my Consumer Report. Experian did not provide a complete investigation of claim because as of XXXX XXXX accounts Experian accounts are being furnished. I have mailed Experian a copy of report and attached a tracking number to ensure Experian has knowledge of violation
Consumer complaint received 2021-10-26
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. (NC)

I maintain my credit utilization at 10 % or lower and I used my credit for over a year with no increase to my score. I used my credit recently but kept it at 11 % and it dropped my credit score. Also payments on my account for XXXX XXXX  have not fallen off despite the updated payment history. An account that I paid in full still shows paid at less than agreeded although I disputed it. I also requested pay for delete from the lender but it is still appearing on my account.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The company agreed to completely remove the late reporting in exchange for paying the past due amount and not give the vehicle up to be repossessed that the account will be re-aged and current on all aspects including previous late reporting.
Consumer complaint received 2018-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a dispute with TransUnion on XX/XX/XXXX, it is now XX/XX/XXXX and they have failed to respond. I submitted through XXXX XXXX website. I have also written follow up letters, they responded by sending me a letter saying they did not understand the letter, that is ridiculous because the letter was very clear. It has now been over 90 days and still saying under investigation. It is preventing me from dealing with other disputes through XXXX XXXX. 
file # XXXX TransUNION
Consumer complaint received 2021-07-01
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. (FL)

Two credit accounts with the XXXX XXXX XXXX XXXX, referred as XXXX from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

XXXX continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the 3 credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with XXXX, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.
Consumer complaint received 2021-07-01
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. (GA)

On the XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later i have not received a response stating the status of my investigation. I feel like i am being taking advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40days therefore they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. In addition, my information was also impacted by the equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Discovery Systems, LLC (AK)

Referencing my past case XXXX The company is named Account Discovery Systems. They had impersonated a federal attorney, threatened to " serve me papers '', and contact my family members in another state to discuss my debt. They used the phone number XXXX on XX/XX/XXXX in an attempt to collect this debt. I told them they could just go ahead and serve me papers if they were really a federal attorney. Today on XX/XX/XXXX, I went around contacting my old creditors to pay off my bad debt, I only had one bad debt left to pay, and I found out it was bought by a company who then used Account Discovery Systems debt collection service, which is how I've deduced that they are the company responsible for these illegal actions, to collect this debt. The account is paid off in full, and I have receipts. However, they need to be held accountable by a court of law for their illegal actions in trying to collect this debt. 

accountdiscoverysystems.com
Consumer complaint received 2021-07-01
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: Self Financial Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-04-30
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: Navient Solutions, LLC. (CA)

Every month in XXXX, even after a federal lawsuit on XX/XX/XXXX, Navient is willfully reporting wrong student loan balance to ( 1 ) XXXX XXXX  2 ) XXXX ( 3 ) XXXX