davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

An former address for a current employer was incorrectly attributed to me. The credit report refused to remove it. It has negatively impacted me as bills have been sent to that address and not to me, because I 've never received them they 've gone unpaid and entered collection status. The address in dispute is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. See pg XXXX of credit report
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Please reference previous complaint : XXXX complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2024 PRODUCT Money transfer, virtual currency, or money service ISSUE Money was not available when promised PAYPAL has increased my withdrawal limits, but they are now prohibiting we from withdrawing by forcing me to again " verify identity '' and providing no means to do so. They are forcing me to enter a text message code that never arrives, and they provide no other method to " verify identity ' even when I call them on the phone number they are supposedly sending a text message to. Customer service suggested I : " try again in 4-5 days. '' THIS IS UNACCEPTABLE AND I REQUIRE IMMEDIATE ACCESS TO MY PROPERTY.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

This is my second complaint against Chex Systems. I am a victim of identity theft and I have unauthorized and fraudulent inquiries on my Chex Systems consumer report. The following inquiries are unauthorized and fraudulent : XXXX/XXXX/XXXX/XXXX/XXXX/XXXX XXXX XXXX.
Consumer complaint received 2016-11-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am currently using BOA 's merchant services for my online business. They are currently holding an order that is about {$2500.00} because they need to check it for fraud they say & it should only take an additional 24 hours. Well it has been a week and they are still holding the money but they took it out of the customer 's account but not transferring it to me. That makes no sense. So the customer is wanting their item and upset they have been charged for it already but I ca n't ship their product until I get paid. BOA assigned it to a security rep that checks for fraud that is supposedly on vacation because she has n't been to work the entire week. All BOA tells me is that I have to wait. This affects my business and reputation. Im sure BOA would n't do this to a large store. They are taking advantage of a small business and that is not fair.
Consumer complaint received 2015-08-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On or around XXXX XXXX, 2015 we ( my wife XXXX and I ) contacted Bank of America ( BoA ) regarding refinancing an investment property, the mortgage of which is currently serviced by XXXX. At that time it was suggested by the BoA representative that I refi the mortgage of my primary residence ( held by BoA ) as the home had likely increased enough in value to render PMI unnecessary. We agreed and immediately began sending the requested documents for both properties while BoA ordered appraisals for both properties. One of the items they requested was a copy of my most recent 401K statement which I provided. Then they asked for a copy of the 'terms of withdrawal, ' which I copied from the XXXX website and faxed to them. They said that was only the 'hardship ' terms of withdrawal and that they needed the entire text of the withdrawal terms. I called XXXX and they said that information was not available online and that they would mail me a plan description with that information. Time was running out for my rate-lock. The 401K booklet arrive and I copied the requested text from the booklet and faxed them that information. Then they said, 'we need all of the terms AND withdrawal. ' I told them that if they needed the entire text of the booklet, not just the part about withdrawals, they should have asked for that. If they wanted all the info about the withdrawal terms, they DID have that. Concerned that I was going to be unable to satisfy the never ending document requests I contacted several other lenders to see if they would use the appraisal for which I had just paid {$600.00}. None would, all stating that they would need to order a new appraisal. In frustration I called the appraiser who had done the appraisal for to see what other lenders they provided appraisals for in the hopes that I could find an institution that would use the BoA ordered appraisals. I was informed that they ONLY did appraisals for BoA!!! In anger I told the loan officer to just forget the loan for the primary residence and to try to complete the rental home loan for which the document requests had been satisfied. So now I am out {$600.00} for an appraisal that no one else will use despite providing all of the document request for which I was asked. I am thinking that my present mortgage is an FHA, as the loan was made via the XXXX program.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (AZ)

I had a credit card with this company previously three or so years ago. The account was settled around 2019. I recently contacted the company to ask why reporting was still on my credit report for activity for a settled account. I contacted the company requesting for the tradeline be removed in good faith since the account was settled. They state their policy would not allow them to remove any tradeline. I contacted the XXXX  asking to be contacted by the company regarding the situation and someone did so. Not sure the title or who they were but they called and basically said the same thing to me. Stating they report accurate information. As I informed them one of my cards was lost and it was still showing as two different accounts on my credit and they stated they could removed that account but they could not remove the settled account though it's not a remaining balance. I asked of the remarks for payments could at least be removed if they didn't want to remove the tradeline. They still stated no. So I basically paid the account in good faith for no reason. This company did not make it aware to me when settling I would not be able to remove the tradeline. This should have been stated. Also there is no reason to update the account of information when it has been closed. The lost or stolen card account shall be removed from my report if the other has still been showing
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have a mortgage for more than 13 years and it is not reported on all XXXX credit bureaus. I also have had several auto loans which I paid off at XXXX XXXX XXXX XXXX XXXX that I have paid off in good standing not being reported as well.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (OH)

I have a Credit card still being reported to my XXXX, according to Ohio law this should be removed from my XXXX after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2004, I am requesting this be removed from my credit report.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have XXXX judgments on my credit report affecting my application process with future prospective landlords. The last name does not match mine or the addresses or date ranges and information that was provided by past landlords. XXXX landlord name I do not recognize but address matches to a location I lived XXXX years prior to judgement claim. Ultimately names and information do not match and also unknown.
Consumer complaint received 2022-07-20
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. (MO)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my 20+ communications to XXXX  XXXX that the ONLY/SOLE communication be to XXXX. XXXX XXXX XXXX clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. Each of these 20+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''
Consumer complaint received 2023-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My loan was transferred from XXXX to MOHELA a few months ago. My payment amount on MOHELA changed from my amount I have been paying for 20 years. I did not request or authorize a change in my loan terms. It changed from $ XXXX to $ XXXX with the same interest rate of 3.5 %. This means my loan would not be paid off in XXXX, as planned, however in XXXX at that new payment amount, in addition to extra interest I would have had to pay. The extra interest would have been at least $ XXXX at the end of paying it at the lower $ 206 monthly payment. 
I contacted MOHELA on XX/XX/2023. They were able to change my payment back to my amount of {$310.00}, however did not have an explanation as to why the change occurred. I explained to them did not ask for or authorize any payment changes or changes to my loan terms. 
I am concerned this XXXX have happened to other borrowers and that they will end up paying more money for their student loans, then they also had originally agreed upon and without their permission. 
I would request an inquiry into the loans recently transferred over to MOHELA, to see if this is a larger issue or only specific to my case.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

XXXX & XX/XX/2022 I made multiple payments in XXXX I uploaded evidence and they closed investigation on discovery card. In chat my date was changed to the 1st of each month because I'm a veteran disabled and when payment date was changed they put on my credit 30 days late I sent in evidence. No letters no emails of late payments were sent to me as I made multiple payments in 1 mth. I sent in bank payments and they failed and still f A iled to remove the late payment. I been dealing going XXXX XXXX XXXX XXXX and now this. Multiple payments were made in XXXX. But they got XXXX late and there's payments and extra payments been met. This all happened when payment date was moved to the 1st if each mth. They refuse to remove the only 1 late payment I have on my credit. The investigation was closed states I didn't send in documents and they were sent in. They are trying to ruin others credit after getting payments and if u make double payments they fail to put those on bill for the next following month. They wrongfully put me in a bind. Which hurts my score and they don't care
Consumer complaint received 2022-02-04
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. (IL)

I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-04
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-07-20
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$34000.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00}
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately. File number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-02-04
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 accounts completely from my Credit Reports : 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 2023-05-08
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 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 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 2022-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Huntington National Bank is double charging my account for holds on checks. Their negligence is causing overdraft fees. Also, they are crediting my account, if check is not good, they are removing funds, the putting a hold on check and removing funds against and not replacing when hold is off. They owe my checking account {$320.00} in overdraft fees and reimbursement for all funds not returned to my account after hold is removed. Approximately {$2000.00}. Also, Huntington Bank still owes my checking account {$110.00} of additional overdraft fees.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I sent, through certified mail, a letter to XXXX, XXXX, and Experian credit reporting bureaus requesting an investigation into an account I believed to be reporting erroneously. 
Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - Experian XX/XX/XXXX With the above tracking numbers on the USPS site I show they are in receipt of these letters. 

On XX/XX/XXXX I sent a follow up letter to XXXX requesting them to complete their investigation and submit accurate information on my credit report as is required by law. 

The account still remains and is reporting innaccurately. I formally request this entire account be removed from my credit reports as it is reporting inaccurate information and the investigation process was not completed per the current FCRA. 

Currently, XXXX is reporting the date of last activity for this account to be XX/XX/XXXX. However, Experian reports this date as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. As none of these dates are the same, it is clear the account was not verified and I would like it to be completely and permanently deleted from all XXXX credit reporting bureaus ' records. 

XXXX XXXX XXXX - XXXX