davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Collects on Idenitity Theft I am a victim of Ideninity Theft I have contacted USAA to let them know I HAVE NEVER HAD A CARD ENDING IN XXXX  DEMANDING {$290.00} FROM ME today ( 5Xs ) * to No Avail THEY DID NOT ONLY THREATEN. TO RUIEN MY CREDIT THEY SUCCEEDED IN LOWERING MY SCORE BY 93 POINTS
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have been in communication with this agency via telephone, online, and certified US mail to attempt to get an ongoing issue resolved that has been an issue now for over a year. There are multiple inaccuracies and duplicate inaccuracies listed on my personal credit report with this agency that I have requested to be corrected and removed on multiple occasions. The only feedback that I ever receive is that a dispute will be issued on my behalf to investigate the complaint.

I have requested specific details of any investigation that states that I am liable, I have asked for the person ( s ) name and contact information who may have confirmed the inaccuracies with no response or documentation being provided.

These multiple inaccuracies and duplication have impacted my overall credit score and my personal lifestyle in a negative manner, causing me to lost job opportunities, pay higher interest rates on credit items, and have caused me the inability to secure stable residency due to these inaccuracies and duplication 's. 

NOTE : I have attached a copy of the complete form for XXXX, because as usual, I have to go through extensive measures just to access my XXXX credit report and I was told that I am not able to access it on line without a valid explanation. 

To have to continue through this extensive step each and every time, is a huge inconvenience to me especially when I am complaining about inaccuracies that these credit reporting agencies are listing onto my personal consumer credit file in error. 

All 3 credit reporting agencies make it very difficult to get in contact with them over the telephone, and when communicating online, there is never a satisfactory resolution. When you communicate through US Certified Mail, you never get the requested information regarding details of the investigations, you only get a single page showing which items have been deleted and which item still remain which makes consumers have to start over from scratch which further delays the correction/removal process, impacting the financial abilities of the consumer. All because items are just randomly being placed onto consumer profiles without any obligation to verify the information before impacting the consumer in a negative manner.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DC)

I am writing to express my disappointment and frustration with a recent experience at one of your branches and to request the immediate lifting of a hold on my account. 

I have been unable to access my funds due to a hold placed on my account, despite having proof of a legitimate deposit. I recently deposited {$4500.00} into my account via XXXX XXXX from my XXXX XXXX. I have attached screenshots to this email as evidence of this transaction. 

Upon returning home from a trip, I discovered that my work cell phone had been stolen from my car. I promptly reported the theft and any associated fraudulent charges to your bank and informed the representative about the situation. Despite providing this information, my account remains inaccessible. 

Furthermore, I visited your branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX to address this issue in person. Unfortunately, the staff members I interacted with were not only unhelpful but also extremely disrespectful, asking inappropriate questions and exhibiting rude behavior. I have recorded this encounter to document the level of unprofessionalism I experienced. 

As a popular gamer with over XXXX XXXX followers on both XXXX and XXXX, I have a significant online presence and influence. I am hopeful that this matter can be resolved promptly and without further escalation. However, if I do not receive the necessary assistance, I will be compelled to share this incident with my followers.
Consumer complaint received 2021-09-05
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. (IA)

To Whom It May Concern May I please request your assistance in resolving a matter regarding a Hard Inquiry on all three of my personal credit reports that is fraudulent activity not requested by me. The company is known as : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH,XXXX This is for a charge card this inquiry is scheduled to continue on record until XX/XX/XXXX. My personal statement on all three credit reports clearly states that I am a victim of identity theft and that I am to be personally contacted before any credit report is pulled. Furthermore I have a credit freeze on all three credit bureaus. I never initiated any inquiry of any kind for a credit card
Consumer complaint received 2020-01-28
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. (VA)

This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name.

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ XXXX {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

RE : Account # # XXXX I have attempted to dispute this account various times and each time the dispute returned as verified, reported accurately. I have even mailed in a method of verification for this account and have recieved nothing but an updated credit report each time. No response as to how, why or what they used to verify this account is accurately reporting, let alone that this account able to be reported to my credit file per FCRA. I have mailed this company multiple times asking for validation and each time the they have either failed to respond or have not produce anything showing such. You will see in my letters dated XX/XX/XXXX and XX/XX/XXXX that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/XXXX however as a courtesy I gave them another 17 days to respond which they did not. This settled the matter, once and for all, on XX/XX/XXXX. It seems to me that there is no original instrument of indebtedness in existence, which again settles the matter legally and financially. As of the date of this letter XXXX XXXX XXXX, I still have not received an instrument of indebtedness. I hereby request that you would remove Acct # XXXX. Also attached are a copy of the letters i sent, as well a certified mail receipts and return receipts showing that these letters were sent and received.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My mother passed away on XX/XX/XXXX. I first went into the XXXX branch of Bank of America on XX/XX/XXXX but they would not see me without an appointment, so I made an appointment for XX/XX/XXXX. On XX/XX/XXXX they called to confirm the appointment, I spoke to the rep and she gave me a list of what to bring - ID, copy of the death cert, surogates letter, etc. - and I had all of this. I went to the appointment on XX/XX/XXXX - sat and waited 30 min for the rep - then she asked me to wait again while she helped a 2nd person, so total wait almost 45 min ( note this was during my 1 hour lunch ) and then when I was being seen, she first started doing the wrong thing, then once I corrected her - she told me she needed a original of the death cert so she could scan it to them - I had a scanned copy - that would have worked fine ( this was confirmed by 2 other BOA people ). So she stopped the process and told me I had to come back. I made anther appointment - but suddenly that branch was closed so my appointment got bumped to XXXX XXXX 30 min from my house ) and I went there on XXXX as that was their next availability. Got there to meet with " XXXX '' but his computer was down so he could not help me ( he also was the ONLY ML rep at that branch - part of my need was ML ) but XXXX told me she could help - but she had someone in front of me - again waited about 20 min - then XXXX started the process and scanned over the docs required. But told me she cant approve the process- XXXX in Corp had to approve it, and she cant help me with ML. She told me she would watch the approval and call me back when I could come in to close the account ( this was XXXX it is XXXX and no call back ) - I went away for a few days and let things wait as I was out of town - no calls - no email, no anything from XXXX. On XXXX I tracked down " XXXX '' ( XXXX ) and spoke to him. He told me he would reach out to XXXX and finish with her and she would be in touch shortly. 24 hours later nothing still. He also told me the ML account could be closed and to send him a form with wire instructions so he could wire - 24 hours later nothing as well. This morning I sent a follow up email to him - no response. Reached out to estate services - no response.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried on multiple occasions to get TransUnion to follow FCRA and in turn respect my rights in this matter. I have asked TransUnion to on at least 4 occasion to validate this account, as well as on multiple occasions as TransUnion to present me a description of the procedures used each of these disputes. TransUnion refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (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 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERIS BANCORP (MO)

I took out a loan in XXXX with Ameris Bank for a vehicle. The vehicle was charged off in XXXX of XXXX. Then, in XXXX and XXXX of XXXX, the bank, not myself, re-opened the credit line and reset the timeline for negative information on my credit report. I have filed several disputes trying to have this information corrected and it was denied every time ( it was stated that this was accurate ). I have done nothing to re-age the debt, I have made no partial or full payments on this debt, and was not current in XXXX at any point in time. The last payment was in XXXX, and Ameris Bank illegally re-aged this debt.
Consumer complaint received 2018-02-15
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. (NC)

This item was disputed by the credit bureaus in XX/XX/2017 and was deleted off of Equifax. In XX/XX/XXXX the item was added back on my Equifax report along with several other items that was deleted off the report. Those items include XXXX XXXX, XXXX XXXX and XXXX XXXX. Both of these items were removed and deleted but failed to reach out to me and supply me with a letter advising that the item would be reinserted back within 5 days. 
I have reached out to Equifax because they failed to advise me in writing within 5 days of inserting the items back on my report. When contacting Equifax by phone as well as letter they have failed to provide me with validation and anything to advise me that these accounts were being reinserted back on my credit report. I was told by Equifax that they dont care if it was already deleted that they can reinsert anything they wish. This is incorrect and against the FCRA. I was supposed to recieve a letter advising that Equifax was going to reinsert information back on my report and I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II )  the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Consumer complaint received 2021-12-01
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: American Student Assistance (AZ)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) XXXX violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX ( still reporting ), AMERICAN STUDENT ASSISTANCE has emailed me that they will be selling my information yet again to XXXX  XXXX. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

I have addresses on my credit report and names that are not mine my address is XXXX XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX Ive been at the above address for over 4 years it seems that Ive been getting credit card offers with hard pulls from offer letters sent to a address that is not mine Ive tried to freeze my account but Im seeing hard pulls on my credit report can you please delete the address and the names that someone is clearly misspelling off my credit report or I will be forced to take legal action
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I use the Carrington 's website to pay my mortgage and do so monthly for quite some time. The 1st time I used the website, it auto saved my bank acct # and routing # which helped so I never had to fill out that information for subsequent payments. However in XXXX I ran into problems with Carrington which they have been unable to resolve to my liking. The XXXX payment which was due on the 1st, with 15 day grace was made my me, online on the XXXX of XXXX. I received a confirmation #, like all other past payments I made and thought that was that! However, on the XXXX of XXXX I received a letter from Carrington saying they never received payment, so I logged in again, went thru the same process, received another confirmation # and felt again, it would be fine. Boy, was I wrong, it ended up NOT working again and I had to find a payment location and they finally accepted my payment on XX/XX/2018, which made it 30 days late and they reported to the credit bureaus to my disliking! I've never been 30 days late on anything, never a stain on my credit in over 50 years and I am very disappointed in Carrington as it also has messed up my potential re-finance causing the rate to go up on me if I pursue. I need your help in finding a resoluton as Carrington said they did nothing wrong by me.
Consumer complaint received 2023-03-29
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) (NJ)

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. 

This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I qualify for loan forgiveness under the temporary pslf. This was in effect before the XX/XX/XXXX waiver, which I also qualify for. 

Fedloan has noted my account that some loan payments qualify for XXXX, and some don't. There are payments missing. 

I've made payments on the loans since XXXX, and have bad them consolidated as Direct loans since late XXXX. I am not entitled to forgiveness and a refund. The payments were auto debited, I did have a payment due for each payment made despite fedloan showing no payment due for 13 months. 

I called to ask about correcting the count. I was initially told that FedLoan would eventually do it. I explained a couple times that I was already entitled to forgiveness and wanted to be done with it, and requested a recount multiple times. I was then told it would be requested in their system, but that there would be no way for.me to verify online that it was going to happen.
Consumer complaint received 2018-02-15
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: Credit Karma (NV)

Site : Credit Karma Account : XXXX XXXX- XX/XX/2017 There is no balance to view for this. It is marked as a hard inquiry but I have never applied for any type of credit card. I already called XXXX XXXX and spoke with an employee. They didnt have me in their system and recommend that I try to get ahold of somebody at Credit Karma. My credit is being affected by this and I dont know what to do. Please help me out!!!!