davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
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. (OH)

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-10
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. (TX)

XXXX XXXX was dismissed in my bankruptcy with the last activity of XX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/XXXX.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

In XX/XX/2017 my credit card company detected suspicious activity and alerted me to a series of casino and cash transactions in rapid succession. They discovered fraud and reversed those charges and issued a new card. HOWEVER since that time they have charged me interest on those fraudulent cash advances every month. I have called to try and resolve it but every time I am transferred to four or five different representatives and have to leave a voicemail and NEVER receive a call back. No rep can explain why I continue to be charged for cash advances that I never made and were reversed.
Consumer complaint received 2023-06-12
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. (CA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX , DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX & XXXX XXXX
Consumer complaint received 2021-12-08
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. (NC)

On XX/XX/21 and XX/XX/21 I have received a letter from disputes that I have made over fraudulent information concerning my consumer report over at TRANSUNION. I contacted TRANSUNION via phone about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( XXXX  and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell TRANSUNION whatever to report on my consumer report under FCRA. Failure for TRANSUNION to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit. They sent me back the investigation results however no true investigation was done. I am requesting a reinvestigation of this matter without the use of the XXXX system to verify the information on my consumer report that is pursuant to federal law and request evidence of that investigation pursuant to FCRA and the FDCPA.
Consumer complaint received 2018-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

Forty-five mortgage payments I made to Bank Of America starting in XX/XX/XXXX and continuing until XX/XX/XXXX were not credited to my mortgage until XX/XX/XXXX. Total this was almost {$17000.00}. BOA continued to charge me interest on money that I had paid to them for 4.5 years.They finally applied my payments in XX/XX/XXXX. 
I have asked BOA what they were doing with my money between XX/XX/XXXX and XX/XX/XXXX. The only response I have gotten from them is that they did apply the payments in XX/XX/XXXX.

I am aware that they applied these payments in XX/XX/XXXX, but I made the payments several years earlier. 
My question continues to be why didn't they credit my account when I made the payment instead of waiting over four years?
Consumer complaint received 2023-04-06
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. (MI)

On XX/XX/XXXXXXXX XXXX XXXX I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMS-Recovery Management Services, Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
RECOVERY MANAGEMENT SERVICE***** ( Original Creditor Name XXXX XXXX XXXX ) Opened XX/XX/2020 Balance {$2700.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) CXXXX  XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX, ( 5 ) XXXX XXXX XXXX, ( 6 ) XXXX XXXX XXXX , ( 7 ) XXXX XXXX XXXX XXXX , ( 8 ) XXXX XXXX , ( 9 ) XXXX XXXX . 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2018-07-28
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. (PA)

Hello, I am filing a formal complaint against TransUnion. There are seven credit Inquiries I have disputed with TransUnion since late XX/XX/XXXX. Not only, have they ignored my disputes they have failed to investigate, correct and delete these credit inquiries. 

Due to their negligence, this has negatively affected my Consumer Credit Report and does show my true credit history. 

These hard inquiries are not mine. 
1. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 5. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 6. Creditor : XXXX XXXX I - Inquiry Date : XX/XX/XXXX 7. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX Please look into this matter. I believe TransUnion is not maintaining complete and accurate credit information. Thank you I look forward to hearing from you and a resolution for this matter.
Consumer complaint received 2018-03-02
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: CITIZENS FINANCIAL GROUP, INC. (OH)

In XX/XX/XXXX we were having difficulty making the minimum payments on some bills due to medical bills and health issues. I spoke with Citizens Bank ( based out of Rhode Island ) numerous times during this period asking for assistance in reducing our min amount required or extending our  due date. They refused to assist due to the fact that we were not past due or in collections. I told them I could pay the amount owed on a specific date in XX/XX/XXXX and asked if that would keep us in good standing and prevent us from being reported to collections. The representative said yes it would keep us in good standing. I made the payment on the date instructed, the payment posted, and we were still reported. It has taken over a year for me to dispute this with all three credit bureaus, and then send my letter to Citizens asking them to remove the error. This is a bank error. I was given a date to pay my bill to remain in good standing and I paid it. I spoke with numerous channels after the delinquency hit my credit report and they said they investigated but no one would tell me if they found the actual phone call I was referring to. In XX/XX/XXXXI was advised by the credit card customer service area that if I dispute with the bureaus, and then write a letter to a specific address at Citizens, it will be removed. I even had the representative clarify ... will it be researched or removed? He said it will be removed. So I spent months disputing the information and finally mailing a letter to Citizens and they still will not remove because they can not locate proof of my conversation. They also confirmed that not all calls are tracked accurately as they should be according to their policy for logging customer calls, so they have no way of determining who I spoke with to research. However no one can tell me the outcome of the calls they were able researched until yesterday. I was not given specific information, but I was informed that even if I was told an incorrect date it would not matter. This affirms my belief that they are aware I was misinformed they just refuse to do anything about it. I must reiterate again that even after the fact, I was told by a rep that all I had to do was write a dispute letter and they would remove the information. I do not understand how it is legal to tell someone you can pay by this date and we will not report you, and then still report you. And then tell me to write a letter and it will be removed, and then not remove it. This lowered my score over 100 points and caused undue financial hardship on me. I believe they are choosing to treat me unfairly and are violating the Fair Credit Reporting act and UDAAP.
Consumer complaint received 2020-08-24
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: Experian Information Solutions Inc. (TX)

The following accounts are a result of identity theft and I have notified Experian already. 
XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX. How is this reporting when this account was included in Bankruptcy. Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hello! While analyzing my credit report, I noticed fraudulent accounts on my credit report. I got in touch with my cousin, who is an attorney and is familiar with credit law. So I filed an Identity theft Report. Please help me in this situation because I am in the process of purchasing my first lease property and I plan on closing in about two weeks so I want this process to be swift so I can move on with my life. Thank You for understanding.
Consumer complaint received 2021-02-27
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. (OH)

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX Bank of America closed my unemployment debit card account and sent back funds that had been payed out tome from nevada unemployment. When I tried contacting bofa they informed me that it was unemployment who issued the freeze on my account. When I was finally able to reach someone at unemployment days later, the gentleman i spoke with informed me that this was not the truth. He stated that it was actually BofA who had issued these mass account freezes on thousands of claimants. Anyone who had ever had their account locked before due to fraud activity suspicions were now having to go through this ridiculous freeze of their account and contact nevada unemployment to verify their identity and wait for their account to be reopened. I have been waiting since XX/XX/XXXX and have filed each week since for unemployment and it is now XXXX XXXX XXXX and I have yet to receive a XXXX. My utilities are being disconnected now, I can not feed my children. I tried calling Bofa multiple times for them to tell me that even after unemployment notifies them that my identity has been verified I will have to wait for an unknown amount of time longer for BofA to update my account. These people couldn't care less about the hardship this is causing my family or what we are suffering because of this mess. I am waiting in a little over {$2000.00} to date from this mess that could be useful in helping my family eat and keep out heat and lights on.
Consumer complaint received 2023-01-18
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)

On XX/XX/XXXX this letter was sent to CFPB to have the creditor correct the errors on my credit report. After XXXX calendar days the creditor has not responded. Prior to i faxed the mentioned creditor on XX/XX/XXXX and no response was noted. The creditor has not responded to any correspondence to have account removed as stated when the payment in full was taken.This letter is in regard to XXXX XXXX XXXX Account referencing the debt that was paid in full and I to paid the full amount in exchange for the following through correspondence with your customer service representatives. Your agreement was to accept the payment as payment in full. This payment was not be noted as a paid collection or a settled account. Your agreement was to remove any and all records of this account from all credit bureau reports. Upon receipt of a signed agreement to these terms, The amount was paid and accepted by your company. According to the Fair Credit Collection Practices Act, I have a right to dispute this debt if deemed necessary. If you do not respond to this letter within XXXX calendar days, you can expect me to reach out for further clarification of this issue.Thank you in advance for your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (CA)

Chase bank who deals with XXXX XXXX denied me of credit, this is the third time I want to go after JP Morgan Chase Bank for denial of credit, again They discriminate against my credit score, maybe if it was them they feel the same way, If I am going to buy a car put money down, or no money down, I can pay the payments, their practices need to change, and stop discriminating against people like me, change the banking system, and stop denying credit and make people like me look stupid, I want to take action against their denial system
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (FL)

I had a vehicle loan with XXXX XXXX, We reached a settlement and they told me once debt was satisfied they would delete from all 3 credit reporting agencies. I paid debt off and it's still showing up on my credit reports.
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to bring to your attention a matter concerning my credit report and a fraudulent account that continues to negatively impact my credit score. I have previously reported this fraudulent activity to your agency, and while other credit reporting bureaus have taken prompt action to remove the disputed information, it seems that your agency has not yet complied with the necessary corrective actions. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/20, I paid a credit card bill in the amount of {$55.00} and still had money remaining in my account- {$15.00}. Wells Fargo then charged an overdraft fee ( when I didn't overdraft ), causing my account to then be overdrawn.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (DE)

My bank which is XXXXXXXX XXXX didn't honor a XXXX and XXXX dollar payment and because they didn't pay them as they should have this card company added XXXX dollars to my bill when the bill was only XXXX dollars went to XXXX dollars that I never used and the bill still should XXXX dollars they added the money the bank didn't pay to my bill which is crazy the credit limit is XXXX dollars how do I o them XXXX dollars when the bill is XXXX period.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

2 years ago, I had two checks cashed with my checkings account card where my pin was used. When I found out I had lost my card that same day, I immediately called Bank of America to report lost card. However, I saw to checks cashed in my account the next day. When I claimed this as fraud, Bank of America denied my request due to the fact my pin was used inside a branch. However, I was in school all day, I have never been to the branch. I called and begged for them to CHECK THEIR CAMERAS, however no further action was taken. I was only XXXX XXXX XXXX and did not know I was suppose to file a police report with the incident. They started to take money from my checkin account to make up for the thousands of dollars that were cashed by another person. Till this day, they stall me on the phone and I can not get any help from anyone.