davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection on the XXXX XXXX, XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX  XXXX, XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On or about XX/XX/2021, I went to Bank of America in XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ). I wanted to withdraw funds from my account, around XXXX dollars. I was met by a teller, XXXX XXXX, who refused to let me access my funds after multiple attempts to try to show her my id and secondary ids. She discriminated against me based on my skin color ( XXXX ). XXXX asked me for my debit card, I said I don't have have it. She suspiciously in a negative tone said, " where is your debit card? Why don't you have it? '' I told her I don't carry it with me, but I can show her my ID. She said, okay. I showed her my ID, then she said to go get my phone to get a verification code. I went ahead and got my phone and she said, she still could not give me money because my ID was " not verified. '' I told her I have given her proof of my id and my account ownership and she should give me my funds, she said no, I had to sit and wait to have my ID verified. I had never had this experience at any other branch. I gave her all forms of ID she requested, yet she still refused to let me access my account. I spoke to the managers at the branch and they treated me like a criminal. This was clearly discriminatory behavior by a white teller ( XXXX ) and I was humiliated out of the bank. I filed a complaint with Bank of America with the complaint number XXXX, and I have yet to hear from them.
Consumer complaint received 2020-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

I recent pulled my credit report to find that LVNV Funding was listed as a collections with all 3 bureaus. I havent received and paperwork or phone calls from this company regarding any balance owed.
Consumer complaint received 2022-10-29
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. (MO)

I have been tryong to correct my Credit File from erroneous information and yet the Credit Bureaus have been negligent of their Federal responsibility. The letter I sent to the Credit Bureaus last XX/XX/XXXX was to follow up any response from the Credit Bureaus after the 30 days of investigation. As I revived my Credit file, I have noticed that the Accounts previously disputed are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been updated or deleted. Here is the list of accounts and information that should be corrected or removed from my Credit File within the time allowed by law : XXXX XXXX Balance Owed : {$65.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed ; {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-12-08
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: Cascade CISS Holdings, LLC (FL)

I have no recollection of these inquiries on my account I have called I have written and nothing has been done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit Plus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Xatus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

Hi I am XXXX XXXX XXXX trying to build my credit but on my credit report it says I have an account with Midland Funding LLC since 2015 but in 2015 I was only XXXX XXXX XXXX so how could I have opened a credit account. My identity was stolen
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I have a American Express Gold card. We were impacted with job loss related to Covid-19 and as a result were given the option to defer payments. However, we wanted to payoff {$710.00} pay in full balance during forbearance period so we aren't hit with it afterwards. 

The card provides a pay over time and pay in full option based on the amount of your purchase charge. I made a payment of {$350.00} on my card on XX/XX/2020. I called on or about XX/XX/XXXX to have that amount applied to the " pay in full '' balance because we were trying to payoff the {$710.00}. We spoke with a representative that assured us that it would be applied to the pay in full balance. We also were assured that if we could afford it, we should call back and pay the other amount ( {$350.00} approx. ) and have that applied to pay in full balance after a couple days. We made that payment on XX/XX/2020. However, when I called to make have it applied to the pay in full balance on XX/XX/XXXX, we were told that neither would be applied to the pay in full balance. 

This is very upsetting, especially when we are short on money. We would have put the poney in an account and waited for the period to end so we are not hit with a $ 700+regular monthly bill. I would like both these payments applied to the pay in full balance to resolve this issue. 

American Express Issue ID provided is : XXXX XXXXRep ID XXXX is the person I spoke to on XXXX
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (FL)

I have a line of credit account with BBVA Compass. I make my payment every month on a recurring basis with XXXX XXXX. XXXX XXXX sends out these payments 12 days in advance and BBVA posted them correctly until XXXX of 2021. In XXXX the payment was lost and not credited to the account and a late fee was charged. I visited the banking center several times to show the proof that the payments were sent 12 days in advance. XXXX charged me three late fees, shut off my line of credit and demanded payment in full. I am an elderly man on social security that made my payments on time and did not deserve this treatment. I also tried to resolve the issue over the phone but the representative gave me an incorrect email address to send proof of payment.
Consumer complaint received 2021-11-05
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. (TX)

I have notified Transunion and CFPB on several occasions that my account # XXXX is not reporting accurately. This account has not been updated in 9 consecutive months as of XXXX and Transunion continues to ignore my order to correct. Statements for XXXX, XXXX, and XXXX have been attached to validate my complaint. My current balance of {$150.00} reflects in the screenshot for mentioned account. Refer to attached XXXX report that confirms last report date and accuracy of account as reported by XXXX and XXXX.
Consumer complaint received 2021-02-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (MA)

On XX/XX/2021 I contacted the Office of XXXX XXXX XXXX, XXXX in respond to a letter that I received by mail with a Execution of Money Judgment against me and they are representing Calvary Portfolio Services, LLC to collect {$10000.00} dollars debt on a vehicle I was trying to explain that this account already pasted the 6 years status of limitation for Massachusetts and 5 years for the State of Florida and they are treating with the Judgement to taking my house as far as I can understand. The bank or the collector didn't send me any court order to go to court to address this issue in the past 15 years and now they are requesting that amount when I have a home loan to pay diagnosed with XXXX and XXXX I was not working for 3 months and I also had the XXXX recently. I don't have the ability to pay this debt at this time specially that it is from offer 13 years old debt from another State. I feel this is abusive and unprofessional.
Consumer complaint received 2020-05-07
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. (AR)

I recently received a letter from XXXX XXXX XXXX XXXX of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. Experian also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. Experian has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. XXXX has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX/XXXX/Experian also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from XXXX/Experian unethical and straight biased considering the lack of proof they have supporting their claim. XXXX/XXXX/Experian has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and XXXX XXXX/Experian Should be held liable
Consumer complaint received 2024-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX I disputed {$4400.00} that had been stolen from my bank account through someones XXXX XXXX account through Wells Fargo. They denied it even though it was clearly fraud. The fraud occurred on XX/XX/XXXX
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$7700.00}
Consumer complaint received 2020-05-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020, Experian emailed me a notice that 3 GOOD things happened to my credit and when I checked my score they ( EXPERIAN ) had decrease my credit score by 3 points. The 3 GOOD things that happened are 1 ) The credit limit on one of my accounts INCREASES. 2 ) The credit balance on one of my accounts DECREASED. and 3 ) The credit usage on one of my accounts DECREASED - All GOOD things to improve my credit score, however Experian DECREASED my score by 3 points. 

Previously on XX/XX/XXXX Experian reported my score to be 3 points higher.

I can not find any means to contact this company about my scoring of my credit.

I seriously have my doubts about the accuracy of their credit scoring and wonder if it is a scam so that they can sell their services to increase credit scores.

I believe the government should look into the practices of these reporting agencies which have become just another marketing scam.

I have my doubts if I can ever increase my credit score under these types of practices.
Consumer complaint received 2020-10-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automotive Financial Services (FL)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$7500.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (TX)

I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report. 

All inquiries names listed below in EXHIBIT B are fraudulent. These inquiries were pull without my knowledge, nor my permission. According to section 605B of the Fair Credit Reporting Act, those fraudulent inquiries names listed in EXHIBIT B are due to identity theft and shall be remove from my credit report
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (GA)

I have NO contract with this debt collection service the original debt was discharged and balance was paid by XXXX which I have had for 20 years. I am a XXXX XXXX XXXX  and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti- Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX XXXX XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report