davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (IL)

Exeter finance has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct.
Consumer complaint received 2021-12-03
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. (AL)

I mailed dispute letters to Transunion on XX/XX/21 regarding accounts XXXX XXXX Bank and XXXX XXXX. According to certified mail receipts, those letters were received and accepted on XX/XX/21. As of today no response have been provided. After the initial 30 day with no response I sent a follow up letter notifying Transunion that they've failed to respond. It is now XX/XX/21 and I've yet to hear anything from Transunion regarding my initial dispute or follow up. The FCRA allows the bureau 30 days to respond and I have not gotten a response.
Consumer complaint received 2024-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ZIONS BANCORPORATION (CO)

I asked not to be called when my loan is late, yes less than 30 days late. I have asked them SEVERAL times not to call me, yet they still call me.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My personal credit card & 4 business cards were closed unexpectedly, w/o any prior notice.

I called and asked for someone to explain what was going on.

After weeks of waiting & no access to my cards online to pay my bills a manager called me to explain that Ill be getting a letter that will say unusual authorized user activity she the. Explained that they couldnt verify the identity of my authorized user & as a result my business cards were closed also. 

Recently, one of my authorized users got a letter in the mail stating that Bank of America is adding a name to their credit report which is completely misspelled. Its important to note that this particular user is my fianc. Thats when i put the pieces together. 

Since Bank of America was the first company i had a credit card with, its both upsetting & disappointing That they would. Make a mistake like this with out considering my history with them or properly investigating the authorized users correct identity. 

Im in the middle of recouping after months of delays due to COVID, we were in the process of renovations 4 homes when my credit cards were closed forcing me to use personal lines of credit & other banks to fund my renovations. Not to mention the thousands of dollars in reward points i earned that they confiscated as a result of their mistake. 

Id love the CFPBs help in holding them accountable and assist in re opening my accounts.
Consumer complaint received 2022-04-07
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NJ)

I have sent emails, with the documentation from the township showing the tax exemption. 
I have spoke with the the mortgage company several times. 
The township has spoke to them about this, and I am still being charge the taxes in my monthly payment. It is ridiculous. Of course I am going to pay because i dont want my house to go into foreclosure. 

XX/XX/XXXX purchased home XX/XX/XXXX tax exemption given from township and mortgage company approved XX/XX/XXXX taxes put back into my payment XXXX XXXX resent the documents to the company XXXX XXXX asked for another anaylsis XXXX XXXX my payment went up another {$800.00} Now in XXXX it has increased further. 

I have sent the tax bills that show the credit and they townships has spoke with the Mr. Cooper ( mortgage company ) they are still charging the tax in our escrow. No one can tell me why.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

On XX/XX/year>, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

I was actually spammed numerous times with the same reoccurring document that doesn't address my issue. Each one of the documents the company spammed me with also had violations under the FDCPA The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (TX)

Avant has since last year been repeatedly changing the payment status on an older, closed account on my credit report. The changes have done damage to my credit score via XXXX and have been performed at least once a month, with one change on XX/XX/XXXX having resulted in a 70 point drop to my credit score. ( Please see attached document ) I've disputed with XXXX without result.
Consumer complaint received 2021-05-06
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. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (NV)

CREDITOR : SECURITY CREDIT SERVICES ORIGINAL : XXXX XXXX AMOUNTS REPORTED : {$2100.00} & {$450.00} UPDATED AS OFXX/XX/2020 VIA XXXX XXXX XXXX I am a victim of identity theft. I have a n extended fraud alert with all three bureaus, and per federal law a creditor must call the number listed on the alert prior to obtaining or extending credit. This is a clear violation of 609, I request these accounts ( among others ) be deleted immediately before I'm forced to seek legal recourse.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-03
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: AES/PHEAA (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-09-07
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)

The reason of this complaint is that my credit is being extremely affected. I am very surprised and concerned by your actions. I need you to take this matter seriously, and send me a response. The emotional stress that I am being through because of this issue, has taken me to get psychological attention. 

If after reading my letter, you decide not to REMOVE THE FOLLOWING ITEM FRO MY CREDIT REPORT, I will not hesitate one second on filing an arbitration process against your company. 

Account information : XXXX XXXX, opened date : XXXX XXXX, XXXX, closed date : XX/XX/XXXX, highest balance : {$25000.00}. 

The company has agreed to delete and is out of business. I want my financial freedom back and it is my right to have your assistance. TransUnion is the only credit bureau agency reporting this item. 

Thank you.
Consumer complaint received 2024-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

on XX/XX/year>2024 I requested to pre-qualify for credit only. The result of that was that the company said that they needed more information. I later got dinged for a credit inquiry on my XXXX credit report. I was also sent a letter that said the application was incomplete or information could not be verified. The ding was done solely to damage my credit and to waste my valuable time.
Consumer complaint received 2021-05-06
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. (FL)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (IL)

I made a monthly payment to Lending Club on a installment loan for the monthly installment amount of {$190.00}, within the 30 days, and the company reported me 30 days late for a late fee. I think the late fee is {$15.00}. I have made payments to this company for the last 27 months and have never missed a payment, even through some rough months. I was n't aware of being able to be reported 30 days late on a installment loan, as long as you paid the regular monthly payment.
Consumer complaint received 2022-10-11
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: SANTANDER HOLDINGS USA, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 

SANTANDER XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2018-02-26
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. (TX)

Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Transunion. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Transunion has failed to provide the method of verification as required under Section 611 ( a ). 

Transunion has not only failed to provide verification ( written  documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Transunion updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (FL)

i am unable to get information i have been locked out of my account 2 times and the company wont discuss issue its a security issue on there end and refused to fix
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (NY)

I received numerous repeated calls from IC Systems in attempt to collect XXXX. Finally realizing what was happening, I called on XX/XX/2020 at XXXX XXXX, and said it was not a valid debt and I did not wish to be contacted in any capacity in the future. After this, I still received email messages and calls. I want these stopped.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX  KEEPS RUNNING BACKGROUND REPORTS ON MYBEHALF, AND GETTING ME DENIED FOR XXXX XXXX XXXX XXXX AND XXXX. ALL BECAUSE I HAD A XXXX   XXXX CHARGE XX/XX/XXXX! IT WAS A XXXX. 4 YEARS AGO AND MY REPOSSESSION 4 MONTHS AFTER MY XXXX. BY THE WAY I COMPLETED 9 MONTH 'S OF XXXX AND 2 1/2 MONTHS XXXX XXXX XXXX AND ONE WEEK IN XXXX .... NOW IM BEING FINANCED THROUGH XXXX XXXX, FOR A NICE XXXX XXXX XXXX XXXX AND I JUST WANT TO XXXX XXXX ... ... .. ITS NOT THAT SERIOUS!!! COME ON
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (IL)

Hi, I am reaching you because I am not getting any updates from Binance US side. Let me shortly explain what is going on.. Almost five month ago I received an email from Binance US that my account is going to be XXXX and I have several days to withdraw all my funds on the account. I did it, but there was a pending transaction that I accidentally fulfilled and money were transferred to my XXXX account. I opened a case and tried to talk with Binance US support in the face of XXXX XXXX. They opened my account, but I could not withdraw my money because there was some problem with XXXX XXXX sync there, I reached the support again and they stated that they are working on the resolving the issue. Eight month passed, but there is no result. I am a patient person, but it has been eight  month since I can not get my {$25000.00} back, I hope that you can help me with my problem because I dont get a response from anywhere ... Thank you