davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize nor initiate any inquries made by GUESS WHO? BANK OF AMERICA Inquiries : BANK OF AMERICA XX/XX/2020 I did not Initiate or authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

IF YOU COME TO THE CONCLUSION THAT I SUBMITTED AN APPLICATION VIA ONLINE please provide THE IP ADDRESS AND THE WEBSITE I USED TO SUBMIT THE APPLICATION. 

In the absence of any such documentation bearing my signature, IP ADDRESS AND WEBSITE USED TO SUBMIT APPLICATION I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number ANDSEND ME A COMPLETE UPDATED CREDIT REPORT AFTER DELETIING THE INACCURATE UNAUTHORIZED INFORMATION Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2020-05-25
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. (AR)

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition XXXX, Equifax, and XXXX   has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, Equifax, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Because of fraudulent Black market activity on my credit, all 3 bureaus have put a one year Fraud alert on my credit.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (FL)

This account was opened due to fraud and I have no knowledge of it. I submittied a complaint and was only given dates of when this account was opened, charged off, and paid off and the thing is that I never ordered any items from them and never made a payment to these people. Giving me these dates wont resolve my problem and the fact that I never opened this account to begin with. There are numerous people having this same issue with this company and it is clear that they are not doing anything about it. I will get all my bank statements from the date that you guys claimed that I supposedly made a payment and maybe you will finally seee that I never made this payment you are referring to.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-26
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. (OK)

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible.XXXX  XXXX XXXX {$1000.00}
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (SC)

To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize nor initiate any inquries made by GUESS WHO? XXXX  XXXX XXXX Inquiries : XXXX  XXXX XXXX XXXX I did not Initiate or authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

IF YOU COME TO THE CONCLUSION THAT I SUBMITTED AN APPLICATION VIA ONLINE please provide THE IP ADDRESS AND THE WEBSITE I USED TO SUBMIT THE APPLICATION. 

In the absence of any such documentation bearing my signature, IP ADDRESS AND WEBSITE USED TO SUBMIT APPLICATION I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number ANDSEND ME A COMPLETE UPDATED CREDIT REPORT AFTER DELETIING THE INACCURATE UNAUTHORIZED INFORMATION Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (AL)

I recently reached out to Comenity Bank which is a part of Victoria Secret when COVID-19 hit Alabama and informed them that I needed help with my bill. They offered their assistance ; however, during that time I was able to pay my minimal balance and pay my bill down to where I had available credit of {$150.00} out of a {$250.00} limit. I then requested a limit increase. They sent a letter saying that I was denied for the increase and my balance would remain at {$250.00}. A few days later, I got another saying that my credit limit had been decrease to {$110.00} which left me with an available balance of {$7.00}. I called to ask about this and how they could do this. They said because I had fallen behind on my bills. This was not correct when actually I had improve significantly and worked hard over the past few months to make sure nothing went delinquent. I requested that they return my {$250.00} credit limit because they decrease me days before they were reporting to the credit bureau which would cause a significant decrease in my credit report because it would seem that I am using over 90 % of my credit usage. This is unfair to a customer especially during hard times like this.
Consumer complaint received 2020-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (PA)

The debt is a medical bill for {$650.00} for services for my grandson back in XXXX. I have no idea why my name appears on this bill. I likely accompanied my daughter while she took her son to this visit, I usually did whenever he was sick. But why my name is on the bill I do not know. The only thing I can think is that while waiting my daughter used the restroom or stepped out for a smoke when they called my grandson to register. Its been five years and I honestly dont remember the incident. However, I did not ever have financial responsibility for -or custody of- my grandson and am in no way responsible for this debt now- just as my father was not responsible for my childrens bills or anyone else is responsible for their childrens bills. My daughter, at the time, had chip, the PA health insurance for qualified applicants and their children. As far as I know, chip -through XXXX  XXXX, should have paid this bill. For whatever reason, apparently, the bill was not covered, in which case it became my daughters responsibility. Unfortunately, my daughter passes away in XXXX. Her son was adopted by another family. She died penniless, there was no estate and even if there was it would have been settled long ago. 
As another note, the holder of this debt, commonwealth financial, is appallingly predatory. I didnt even know about this bill-its been years- yet upon purchasing the debt commonwealth immediately put it on my credit report before ever even contacting me about it. I learned about this from a credit service notification I recieved. One week after they put it on my report I got a letter from them stating I had 45 days to dispute the bill, but it had already been reported and remains in my credit report. Their behavior is inexcusable and repulsive. 
So, to recap, Whoever checked in my grandson on this day made a mistake a put my name on the registration not my daughters. Until this showed up in XXXX of this year I had no knowledge this even existed. Because they made a mistake, however, does not make me responsible for my daughters expenses. It should have been paid by chip and any denial should of went to my daughter. I did not have custody. The patient is my grandson, if he was under my custody this bill would be my responsibility, but I did not. Nor can I be held responsible for an error made by the person checking him in. While I do not remember this, I can guarantee I would have provided all this information at check in and Im certain my daughter must have also presented herself to do the same.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX of XXXX, I opened a credit card account with capital one. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. XXXX XXXX XXXX removed the account from my credit report. I noticed the account continues to be reported on all three agencies by Capital One. The account status as sold to XXXX and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with Capital One they stated they are not reporting on their end. I spoke with XXXX and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im reaching out because on the dates of XX/XX/XXXX, I formally tried disputing fraudulent and erroneous accounts and personal information directly with TRANSUNION, in removing them from my credit profile. 
Transunion is still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properly handing my dispute because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

Remove the following addresses from my report as they do not belong to me. In addition, DELETE any INVALID ACCOUNTS or DATA associated with this address as they dont belong to be me neither as being RELATED : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$3400.00} Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$5900.00} Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$610.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX  Open Date : XX/XX/XXXX Balance : {$14000.00} Collection Agency : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : XXXX  Balance : {$110.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : XXXX Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : XXXX Amount : {$0.00}
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (GA)

My husband & I were previously with Greentree in XX/XX/XXXX when we purchased our mobile home and then Di-tech Financing took over. Greentree did not give a notice or notify us ahead. We have had our home since XX/XX/XXXX. Our total principal balance was XXXX & we still currently owe still XXXX yr of XX/XX/XXXX. Less than 1/2 of our payments goes towards the principal balance. ( XXXX Monthly ) They are under a lawsuit @ this time and some consumers or customers mortgage loans has been paid off.
Consumer complaint received 2020-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX ... original Creditor XXXX XXXX This Debt is 10 years old .. it just recently showed up on my XXXX XXXX account i have disputed it because its to old to show up now ..The credit bureau will not remove it even after i proved this account was opened in XXXX and its past the The Ohio statute of limitations & Fair credit reporting agency ..Even if i owe the bill They can not legally report it after 7.5 years is up They waited almost 10 years to report it and is also charging Interest while showing in my Transunion report showing a open balance and it keeps going up ... ..currently The collection shows XXXX showing opened XXXX .. This account was opened.. XX/XX/XXXX Last Payment made XXXX Because they would not honor There warranty for furniture I told them to pick up There Merchandise They refused.. I want this old account taken off my credit report ..IT 's to old Legally to be reported after 7.5 years and its been over that from the last payment ..when account first went to collection ..180 days of the date consumer first falls behind on a payment ... fair credit reporting act.. facts This company waited till XXXX to report
Consumer complaint received 2020-06-03
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. (SC)

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX XXXX numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX REC XXXX XXXX XXXX Original Creditor : XXXX XXXXT ) XXXX Hard Inquires XXXX - XX/XX/2020 XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXs XX/XX/2020 Experian XXXX  XXXX Miscellaneous XX/XX/2020 XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (FL)

On XX/XX/XXXX, I went to my primary dentist  office to have XXXX  fixed and prepped for a XXXX  as I had for the two other prior XXXX  that I have. I had dental insurance at the time. I paid my portion of {$320.00} at that time. When it was time to seat my XXXX, the dentist wouldn't do it unless I paid another {$320.00}. My insurance would not pay unless the work was completed ( the crown had to be seated and x-rays taken to prove it and sent to my insurance company before they would pay the balance ). I reported them to my dental insurance ( XXXX  at the time ) as I felt that they were " double-dipping '', but instead, I received a letter stating that " not more than 50 % of the XXXX was XXXX ''. 

The discrepancy has since been turned over to a Debt Collection called Capital Accounts LLC. I have tried disputing it twice through the credit agencies, but they always respond with " meets FCRA requirements ''. When I opened the first dispute, the credit agency said that I would hear back from them in 30 days. It took over 8 months. 

I finally contacted Capital Accounts via phone on XX/XX/XXXX at XXXX CST. We had an 8 minute and 28 second conversation. I requested that they send me a copy of the original bill and proof that I owed the debt. I never received a letter from them. I've had their collectors call me and I explained the situation and their creditors actually hung up on ME! 

I have since found a new dentist and still have to get this tooth fixed before it causes me more problems. My new treatment plan shows that a XXXX  is needed for that tooth still and my new dentist has given me a letter stating that the tooth in question does not have a XXXX  and that a XXXX XXXX is needed for definitive restoration. 

The {$320.00} that I have already paid to XXXX XXXX XXXX XXXX covers the tooth build-up that they did twice over but I do not owe the rest of the debt since they would not complete the work. Their billing shows that they turned over {$710.00} to collections, but my credit report shows that I owe {$880.00}. 

Please help. I just want this off my credit reports so that I can move on with my life.