davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

Formal Complaint On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Chex Systems and XXXX XXXX XXXX ) These Companies are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of Fico scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any new bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These XXXX XXXX and trying to dispute or clear these types of blacklisting from an individual 's account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A XXXX XXXX
Consumer complaint received 2022-01-17
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. (UT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2022-01-17
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. (GA)

I have reported and had this account investigated multiple times with XXXX and Equifax but both credit bureaus failed to update the inaccurate reporting. Equifax has continued to re age this account. Attached is evidence that Equifax has re-aged this account again in XX/XX/2021 which is a violation. The date of last active is totally different from XXXX and Equifax.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX Prepaid card was compromised and some funds was taken out which was not by me i already tried to speak to BOA customer service but no one respond. Here are the debited funds stolen from my card with the date and amount below. Please i want my money reversed back from any source it was sent to thank you Amount XX/XX/XXXX - XX/XX/XXXX - {$6200.00} XX/XX/XXXX - XX/XX/XXXX - {$11000.00} XX/XX/XXXX - XX/XX/XXXX - {$3100.00} XX/XX/XXXX - XX/XX/XXXX {$990.00} XX/XX/XXXX - XX/XX/XXXX {$5900.00} XX/XX/XXXX - XX/XX/XXXX {$3300.00} XX/XX/XXXX - XX/XX/XXXX {$2200.00} XX/XX/XXXX - XX/XX/XXXX {$4400.00}
Consumer complaint received 2021-04-28
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: Experian Information Solutions Inc. (OH)

I finished paying my XXXX  XXXX credit card off XX/XX/2020 and unbeknownst to me they were charging me a $ XXXX  monthly fee and due to the devastation of COVID 19 I lost many family members and I wasnt keeping up with any email correspondences although I did not receive any calls from them. After 4 months upon checking my old emails I saw that Id been charged {$1.00} for 4 consecutive months and now had a past due amount that was a space of delinquency, I Paid it immediately upon my knowledge of the charges and The company still reported my account to the credit agencies and Ive since sent letters and lost many points without any resolutions or communication from first premier. Please help these late payments need to be removed. The company failed to contact me via phone which is my preferred contact method to let me know about the reoccurring charges. During these times I expected more compassion for a company Ive never been late on and have been loyal to for 20+ years.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (OH)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with INNOVIS, XXXX XXXX, XXXX the also have records of file the are wrong.
Consumer complaint received 2021-02-24
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. (FL)

Equifax and XXXX have responded to me that they have verified the bankruptcy XXXX. 
The bankruptcy XXXX has been removed from the XXXX XXXX database. XXXX XXXX reports the bankruptcy and verifies that it has been removed. 
Equifax and XXXX verified the bankruptcy in error or did not bother to verify at all. 
It has been removed from XXXX.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This account is an old account started in XX/XX/XXXXbut closed in XX/XX/XXXXbalance {$5300.00}. This account is more than 9 years old from XXXX XXXX. At this time the 3 credit bureaus are showing that this account is active as of XX/XX/XXXXwith Portfolio Recovery on my XXXX  credit report. In actuality, on the other credit reports there is proof that this the amount of this debt was lowered and closed as of XX/XX/XXXXby XXXX XXXX. XXXX XXXX stop credit reporting this account as of XX/XX/XXXX and passed it to Portfolio Recovery. I have not heard from Portfolio Recovery or XXXX XXXX please remove this debt from all bureaus and add the points FICO points back to my credit score accordingly.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2020, I applied for a home refinance with Citizens One Home Loans. My loan officer is XXXX XXXX at XXXX. I went through all the pre-qualifying needed including the questions, credit check, income verification and all the forms needed. I was told this could take up to 60 days. XX/XX/2020 I received an alert that additional documents were needed. They requested discharge papers from a previous Chapter XXXX bankruptcy, " bankruptcy papers '' and a paper regarding a previous judgement on my wife, who is NOT on the mortgage but is on the title from a department store credit card from over 10 years ago. When I called and emailed about what bankruptcy papers they needed, XXXX, XXXX XXXX and XXXX XXXX could not give a a direct answer. I explained to them the file was about 400 pages and asked repeatedly what part did they need! For 3 weeks, my calls ans emails to all 3 of them were left unanswered. I sent them the discharge papers as requested, but had no other info to provide on the judgement and had no idea what bankruptcy papers they needed. One a bankruptcy is discharged, my attorney said I do not need to provide other records due to privacy. I contacted one of their competitors, and they were able to take a guess as to which documents from bankruptcy they needed. It was at that time I left XXXX another message which was returned in 30 minutes because I went to a competitor. This led to me being called by his manager, XXXX XXXX at XXXX. XXXX was able to get us back on track to some degree, but told me I had to pay off the judgement on my wife. I called and negotiated with them and XXXX assured me if they had until XX/XX/XXXX, he could arrange the funds be included in my refi and paid at settlement. Then the delay tactics started again. They again requested another 4505T form that I had previously filled out asking for certain years of tax returns. I got him that document and a few others and again, waited. As of today, XX/XX/XXXX, They are all collectively not returning emails or phone calls. I am running out of time to make the payment on the judgement, and they have wasted over 2 months of my time. They cornered me and said during this process I can not apply for a car loan, I cant have my credit checked by another bank, meaning I cant even try to refi with another bank and not to make any big purchases. I personally feel discriminated against due to my past financial problems and possibly other reasons. There is no reason for this. I am borrowing less than half of the home 's value, I have great credit and have been discharged from bankruptcy over 2 years. I feel they are purposely avoiding me, losing my documents and not giving me simple answers. PLEASE HELP! I want them called on my behalf and I want answers and I want to know what my rights are here.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

A check was cashed using a mobile deposit into a sole and private account that had two names on the front of the check. Two names that states jane doe AND john doe. The check required two signatures to be cashed as it was made out to two people. The depos was made and put into the a single account not a joint account with only one endorsement on the back of the check. The other party did not receive half of the funds.
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Foris DAX, Inc. (NJ)

I opened a credit card with crypto.com. the changed their terms and rewards which implemented an inactivity fee and not honoring the rewards when my account was activated. Since then I began being charge inactivity fees. I decided the card is not what I want and I want to close the card to avoid any additional fraudulent charges. I was told my account can't be closed until my card balance is at {$0.00}. I was told there are multiple ways to transfer and withdraw my funds at first. I followed every instruction given to me and none of them worked. After dealing with them for an entire day of back and forth I got nowhere. I continued to pursue this again this morning where I was told no you can't transfer or withdraw amd told me the only way to access my money is by spending as much as possible and then waiting to be charged more fees by them to zero out the account. They are refusing me access to my money.i also took screen shots of all of the conversations.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Nelnet, Inc. (AL)

So I am looking on my XXXX XXXX and XXXX credit report on XX/XX/XXXX and I see I have 2 student loans from Nelnet that were taken out under my name on XX/XX/XXXX one amount for XXXX $ and another amount for XXXX $ both on the same day. I have never in my life taken out any kind of student loans this is 100 % and I have no idea what to do from this point.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$570.00}
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

From XX/XX/2020 to XX/XX/2020. I tried reaching out to capitol one during corona pandemic to get a forgiveness or forbearance plan. I did not receive any hardship forgiveness due to Corona pandemic for monthly payments. I could not pay all bills mortgage and babysitters due to kids being out of school.
Consumer complaint received 2022-07-19
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. (NY)

Hello-On XXXX 2021-I disputed inaccuracies pertaining to my credit report-and requested they be removed-I also have written certified letters to all 3 bureaus and to XXXX XXXX ; to no avail nothing has been removed or resolved. 
I received a response on XX/XX/XXXX XXXX-stating they found no fraud, and that the investigation was finished. 
To this day-XXXX XXXX has not shown me proof that any investigation findings were ever done. 

I have repeatedly asked both parties to kindly remove these inaccurate accounts and dates off of my credit for it is severely lowering my score and I am unable to obtain proper credit at the highest level. I have also asked for the original contract signed, They have provided me with no proof as of yet.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (TX)

There has been an inaccuracy on my credit report due to someone unauthorized inquiries, In Accordance with the FCRA section 611 for inquiries the following companies violated my consumer right. I do not authorize none of the inquiries listed below please kindly investigate and remove. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( bank ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-10
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : 11 Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.