davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Windham Professionals, Inc. (AZ)

Windham continues to try to collect $ for a month if insurance that was not ever valid. XXXX ins. Canelled policy in XX/XX/XXXX & Windham keeps trying to collect for XX/XX/XXXX. XXXX even confirmed {$0.00} due in XX/XX/XXXX. All evidence available.
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (AZ)

I have been fraudulently charged by Google Pay services, 7 charges in all to date, locked my debit card, unable to contact my bank fraud department till Monday, but filed a police report with the local police department here in XXXX, Arizona, these charges are fraudulent and unauthorized. The amounts were small, {$13.00} to {$9.00}, discovered this on XX/XX/2021 while checking my checking account as I normally do monthly, the charges started on XX/XX/2021, 4 charges were made same day, others on separate days.
Consumer complaint received 2021-10-31
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. (CA)

I have reached out to Experian regarding inaccuracies in my credit file and still nothing has been done. XXXX XXXX XXXX XXXX is listing an account incorrectly. Account number XXXX. While the statute of limitations for this debt have expired in my state, the information is not accurate and there are discrepancies. An entire year of payment history is missing from XXXX of which the account was opened. The first delinquent payment was not until XXXX, as such, 7 years from the date of first delinquency would mean this account should be removed from my credit file in XXXX of XXXX and they are continuing the account listing it until XXXX of XXXX. I have expressed to Experian that due to the on time payments missing and an entire year of data missing from my file this is a defamation of character and a major inaccurate reporting of my credit. This huge error and discrepancy along with this taking longer than the 30 days should result in deletion of this credit line in my credit file. I have constantly checked the experian site and it just has nothing but issues.
Consumer complaint received 2021-08-06
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)

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air 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. These are the items that need to update or remove from my report immediately. 
XXXX  XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

QUESTION INTO BANK OF AMERICA and XXXX XXXX I sent my mail certified into Supreme Court OF US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX how much time? 
2/ Why did my docket at Supreme Court OF US show up JUST ONE TIME?

3/ MY mail certified I sent into all Court, It is big yellow envelope mail, I did not sent small envelope Mail, all can not lost ONLY appear stolen and theft, fraud my case at Supreme Court OF US XXXX abused took my money at my bank account, and unite with all defendants and XXXX did not delivery my mail for me.. TO PAID BACK almost {$10.00} dollar in my account, IT is no fair for me and no right about match, because I sent into all court with over XXXX times certified MY CASE at all Court, It is injury and damage, It is not simple complaint, It relate my bill, fee and big my damage I can not handle I petition to dispute direct into CONGRESS OF US compensation for me, include dispute direct into department INSURANCE OF CALIFORNIA REASON XXXX I came in XXXX, I pay INSURANCE and TAX from my account and my bank I pay INSURANCE by my tear eye, my blood.. I should hard work too much state BUT now I was injury and damage, I am not settlement opposite to abused POWER XXXX XXXX, XXXX  me direct at XXXX XXXX, XXXX my face as CRIME, as terror and as people XXXX XXXX insult my face and my XXXX, destroy all things I was build up for my son Yes.. Now I am XXXX XXXX, BUt before I was hard work from XXXX to XXXX, I save my life, my enjoy and my stomach for TAX, INSUrANCE and my son we were terror by POLICE and defendants unite together, to made for my son was fail MEDICINE DOCTOR
Consumer complaint received 2021-10-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

This ongoing complaint targeting all thre e Credit Reporting Agencies is my final attempt to force them to cease their bad Faith Actions prior to my securing Counsel and seeking to file a civil suit and seek permission for a Class Action Suit, as there are many others with the same issues. It is my understanding that the underlying motivation of all three is self enriching and for the enriching of their " member companies '' I have made multiple complaints for years that they have all consistently participated in a pattern and practice of ignoring disputes, failing to properly investigate and correct dispute and inaccurate Information and intentionally provide false Information so that their " memb er companies '' can charge higher interest rates due to the credit scores and Information provided by their reports. 

My complaints have not been addressed or corrected at all as of the writing of this complaint. 

I have made multiple complaints to the CFPB recently. They have all been ignored. 

I demand the following : 1. ). To be sent accurate, corrected and updated paper reports from all three agencies, as well as electronic access immediately. 

2. ). To have my personal Information ( Address history specifically ) restricted from the reports they share due to significant personal safety issues related to my Actions keeping a Congressman safe, pursuant to a Commonwealth of VA Court Order, which they all have.

3. ). To have all agencies comply with the policies of dropping negative items after set time periods have passed and to actually investigate complaints submitted by consumer instead of merely stating that their " member companies '' denied them and recuse to correct the complaints.

4. ). To Add significant creditor Payment histories from companies that do not pay them to report, ( as the companies demand ePayment in order to List credit histories from creditors. I have provided certified, notarized payment histories of greater than $ XXXX that they all refuse to include in my reports, to make my history look less significant, again to enrich themselves and their " member companies '' Further, I am furious with XXXX, who literally told me that they will not perform their manadated actions because they felt I was, " Attempting to hide from or avoid Financial responsibility '' Theese Actions are reprehensible, especially in a time when the Government Administration is taking actions to attempt to defend it's citizens from such abuses. 

I risked my life for my country. I am XXXX XXXX due to service to the public. I demand better treatment than the intentionally punitive, bad Faith actions of Experian ; XXXX and especially XXXX XXXX in retaliation for my merely demanding the proper treatment they are in place to provide.
Consumer complaint received 2021-10-31
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. (GA)

transunion, XXXX and XXXX reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There has been fraudulent assignments by XXXX, XXXX  XXXX, XXXX XXXX  ; XXXX XXXX XXXX and stolen against my property ( ies ) at XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Nevada XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I demand a FULL investigation and criminal prosecution against ALL parties involved in defrauding XXXX & XXXX XXXX for profit since XXXX current. Under ALL Federal mortgage & bankruptcy codes, Especially XXXX laws! 

XXXX XXXX XXXX
Consumer complaint received 2021-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AL)

Fair collection and out, reported to my credit report, I do not have a contract with this third-party debt collector. The company can not produce a contract between Fair Collection and Out and I ( sent cease/desist ) ; Fair Collection and Out can purchase my debt, but not my personal information ; this id a infringement of my rights to privacy ; If the debt was sold, I have a right to know how much it was sold for, the commission amt. If the debt was fulfilled ; if insurance covered the debt ( premium/collateral ). Violates 15 usc 1692 ( e ) ( 11 ), 15 usc 1681 thus, if a bad debt was furnished to any consumer credit reporting agency, my reputation is in fact ruined ; oppression/hardship is real.
Consumer complaint received 2021-10-25
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: ENCORE CAPITAL GROUP INC. (NV)

Currently I have been reporting fraud on my XXXX XXXX account. I keep being charged by Midland Credit Management on Behalf Of XXXX XXXX, XXXX & XXXX. I have never opened any type of account with either Company, I did report this many times to XXXX And XXXX XXXX Many... Many Times but they keep putting this back on and deleting stuff that I actually owe They recently took XXXX off my Account When I actually do own that account I personally walked in and opened that XXXX account to start my Credit when I was younger I only stayed XXXX because I was letting you guys know I had existing accounts that were actually mine with debt and I wasnt complaining about it I dont know who is responsible but they took that the wrong way I Need XXXX Back On My Account Im only reporting fraud On The accounts Midland Credit Management keep bothering me about ( XXXX & XXXX ) which are accounts that were open fraudulently My car was stollen from the front of my house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just found out these accounts were open around XXXX and they have a address in the same city of XXXX on The account that isnt mine I received this info by an employee due to a call I had made to the Midland Credit Management to complain ... I also just received the police report of my car being stolen from the front of my house!
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closi

ng process all pending payments should have being cleared as part of it. I recently applied for a mortgage where for my surprise it was reported by Loancare a 150 days past due after the account was closed and money disbursed. The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

The issue with XXXX XXXX XXXX XXXX and The XXXX Credit Bureau ( Experian, XXXX and XXXX ). 

I had XXXX XXXX XXXX loan which was an installment account that has to be paid in 5 years plus lone term with a set number of scheduled payments and it was ended on XX/XX/2021 with my last payment of {$490.00}. But, it reflected in my credit report as paid in full & closed as a result My credit score dropped XXXX points by Experian, XXXX points by XXXX and XXXX points by XXXX. The irony is my payment history in this account is 97 % and the length of this account history is also more than 5 years which both have 35 % and 15 % respectively to impact my credit score positively. But, this never happened in the last 5 years instead when the last payment schedule done my credit score dropped because of the terminology " Closed ''. yes this account is installment account not revolving credit account like a credit card which can be used continuously from month to month with no predetermined payable schedule so why they use closed to harm my credit score? why i never had a single point increment in the last 5 years? 
Therefore, I need CFPB to investigate this matter and address my concern as well as help me get back my dropped score as well as the positive impacts in my credit score in regard with this account that i have done excellent job in the last 5 years plus.
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have two Credit Cards with Bank of America and it has been a nightmare. I had to stop using it due to unfair fees and their website not properly working. Mobil app is inaccurate. People, please READ this before applying for a Bank of America Card DO NOT apply for a Bank of America card. On XX/XX/2021 I spoke with a representative from Bank of America and recognized that there was a fee of XXXX plus interest charge on one of my Credit Cards. On my two credit cards, I have my checking account. However, Last month only one of my cards was paid with my checking account. My checking account is listed, but Bank of America FAIL to take the payment. After calling several times now Bank of America representative stated that there are no records about my complaint on the XXXX indicating what the representative had said about refunding the {$25.00} USD and the written complaint indicating that there was not fair for me to be charged a fee. THAT is EXTREMELY SCARY. Citizens how can we trust a company like this. Most of us have been abused over and over and this situation must come to an END, STOP! 

I want the written complaint from the representative that I spoke with at XXXX XXXX  on XX/XX/2021. According to the Bank of America representative that I spoke with on XX/XX/2021 there is no record that I talked to someone at XXXX XXXX  on XX/XX/2021, and stated that the representative did not write a complaint. That is NOT true. 

Bank of America Must get the conversation on XXXX XXXX  on XX/XX/XXXX since the first thing they said is " your call will be recorded ''
Consumer complaint received 2021-07-08
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. (IL)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2021-10-31
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: U.S. BANCORP (NV)

On XX/XX/2021, a Contract was entered into with XXXX XXXX XXXX located in XXXX XXXX, NV. Items were chosen for the products. About two weeks later, a call was made to us by XXXX XXXX stating that they were unable to provide the merchandise, because the manufacturer of said products had removed the samples from their store. She then asked if she could send us pictures of another sample. She was told no, we would come in and see what else they had. ( Big mistake ) We did chose something else. After not hearing from XXXX XXXX XXXX  on XX/XX/XXXX, I, XXXX XXXX, made a call to the store. I was told XXXX XXXX was on vacation. However, she left a note stating " That the counter top we ordered was also not available, because they were having trouble getting anything out of California. I then asked her if she had any idea when the material would be available, she answered, " It could be two weeks, a month or longer. '' She also asked if we would come back in and chose something else. I told her, " No. '' I then asked her if the cabinets were ordered. She replied, '' I don't know, someone else is supposed to order them. I asked her to call me back. She never did. On XX/XX/XXXX, I called her and told her to cancel the Order, because by then, XXXX XXXX XXXX had breached the Contract. She replied, " I don't know how to do it. '' I told her I would call the bank and file a Dispute. On XX/XX/2021, I called US Bank filed a Dispute. They reversed the charges. Just like this complaint US was given the information they requested. US Bank only response through emails, stating they are looking into resolving the matter. US Bank did call my cell phone on XX/XX/XXXX, at XXXX. Left no messages. Only after I checked my bank statement did I realize they Bank had reversed the charges. Claiming they could not get a hold of us. They are claiming XXXX  said, they delivered the products. We had sent several emails to XXXX, all to no avail.

US Bank, something about them no able to get the products because of COVID. XXXX  had four boxes of backsplash delivered to our home. At the time we had no idea what XXXX  was delivering. They were left on the porch without our consent. That was the very first time XXXX  had ever been in touch with us after the Contract was canceled. US Bank took their side and gave them back our hard earned money. They said that's what Visa would want. US Bank did call our cell phone again On XX/XX/XXXX, at XXXX XXXX  and leave a message, only after I had made several attempts to reach a " supervisor '' to find out how such a decision could be made.
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (GA)

Binance.US enabled my account. They said they refunded XXXX on XX/XX/21 and it made my account go negative. My bank has no record of this transaction. And I never received any refund. I asked them for proof of the transaction and they only stated that I need to contact my bank which I already have. I sent them copies of my bank statements of 5 months as they requested. They have yet sent me my money or unlocked my account. But they did acknowledge on XX/XX/21 that they did not refund the XXXX So why is my account still enabled?
Consumer complaint received 2024-10-25
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. (CA)

I am filing a formal complaint regarding XXXX failure to resolve repeated disputes over inaccurate information on my credit report and am demanding immediate corrective action under the Fair Credit Reporting Act ( FCRA ). 

Despite numerous dispute attemptsincluding certified letters, emails to XXXX representatives and Board of Directors, and several disputes initiated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX has failed to delete the incorrect information. In a phone call with XXXX XXXX XXXX, yesterday a representative from XXXX, I was informed that XXXX would not remove the data, arguing that the error stemmed from the creditor. However, as a consumer reporting agency, XXXX is legally required under FCRA 611 to correct or delete inaccurate information once it has been identified, regardless of the origin of the error ( 609letter Fair Credit R ). 

The FCRA mandates that XXXX reinvestigate disputed information and delete any item found to be inaccurate, incomplete, or unverifiable. Furthermore, under FCRA 611 ( b ) ( 5 ), deleted information can not be reinserted into my credit file without certification of accuracy from the information furnisher ( 609letter Fair Credit R ). XXXX must also maintain reasonable procedures to prevent the reappearance of any deleted information, as required by FCRA 611 ( b ) ( 5 ) ( C ) ( 609letter Fair Credit R ). 

Summary of Actions Taken : Certified Letters Sent by Mail : Multiple certified letters were sent detailing the dispute, with documentation substantiating my claims. 
Emails to XXXX and Their Board of Directors : Escalation efforts included emails to the XXXX, highlighting the error and requesting deletion. 
Phone Call with XXXX XXXX XXXX XXXX was told that XXXX would not delete the incorrect data, attributing the responsibility to the creditora reasoning inconsistent with the FCRAs requirement for consumer reporting agencies to uphold accuracy. 
XXXX ongoing failure to act in compliance with the FCRA has negatively impacted my credit profile. Therefore, I am requesting the immediate and permanent deletion of the disputed information, confirmation that it will not reappear on my report, and assurance of adherence to FCRA guidelines. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I've asked EXPERIAN CREDIT BUREAU several times to remove inaccurate personal information that is reporting on my credit. For example my name being reported incorrectly, unknown addresses, and the employer status that is invalid. 

I have contacted EXPERIAN CREDIT BUREAU on several attempts to get this matter rectify. First attemptXX/XX/XXXX, Second attempt XX/XX/XXXX, Third attempt XX/XX/XXXX. On my third attempt I expressed if this matter isn't corrected, I will be force to file a complaint with CFPB. My petition was disregarded. EXPERIAN continues to report the wrong personal information in my file. 

I hope who ever reads this complaint will be able to help me in this matter. I have been a victim of identity theft once before in my life. It is a terrible, stressful, and unfortunate thing to deal with. Therefore I am trying my best to protect my information at all levels. THANK YOU IN ADVANCE.