davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On Monday XX/XX/XXXX, I withdrew {$110000.00} USD to my Bank of America checking account from my XXXX account. Upon completing my withdrawals, which I had to do in partial withdrawals to avoid XXXX error pages, my account was placed on hold. A {$880000.00} USD pending debit was added to my balance, rendering my overall balance extremely negative. 

I immediately drove to the bank and was told that the only way to solve this was to call a number. Ive been calling the number given to me for 4 days, all day long, and Ive just had my time wasted. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me ( once I got forwarded to a trailer park that had nothing to do with BoA ). 

I need to be able to use my funds for the following : XXXX XXXX, gas, food, bills, rent and overall essential expenses during a critical time. Bank of America has robbed me of my money for multiple days without providing reasoning or assistance. 

This is not an issue that can wait for 4 days. This isn't even an issue that can wait more than 24 hours. I demand that Bank of America appropriately assist me. 

I understand that the hold was placed potentially because I had to break many withdrawals into smaller equal sized ones to bypass the fact that any withdrawal from my XXXX {$10000.00} or greater is blocked, however the resolution of this hold is the problem, not the hold itself.
Consumer complaint received 2020-04-30
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. (MA)

I am sending request to remove accounts which were opened by fraud another person. I never give permission to open these account and never signed any documents. The both accounts fraud. Please investigate and remove as soon as possible. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2020-04-30
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. (PA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-07-14
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. (FL)

To whom this may concern, I have called the XXXX XXXX XXXX XXXX Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!
Consumer complaint received 2020-04-30
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. (PA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2023-01-09
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: ERC (TX)

THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! ENHANCED RECOVERY IGNORED MY Affidavit of Refutation, Notice & Demand CEASE AND DESIST DEMANDS! YOULL HAVE THE OPPORTUNITY TO SETTLE THE DAMAGES FOR LESS THAN THE INITIAL INVOICE THAT YOU PREVIOUSLY IGNORED ; SENT CERTIFIED USPS MAIL ( TRACKING # : XXXX ). YOU WILL BE RESPONSIBLE FOR ALL COURT COSTS AND ATTORNEY FEES. BE EXPECTING NOTICE FROM MY REPRESENTATIVE AT XXXX XXXX XXXX XXXX IN XXXX, TX XXXX ; IF THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER ( 30 DAYS ). 

FIRST AND FOREMOST IVE NEVER DONE ANY TRANSACTIONS WITH ENHANCED RECOVERY SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. ENHANCED RECOVERY HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! SECONDLY IF THEY DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS ENHANCED RECOVERY ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CREDIT SERVICE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. ENHANCED RECOVERY REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX DOLLARS ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Consumer complaint received 2019-07-01
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. (GA)

I want Experian to correctly report my credit information and stop trying to twist my arm into buying into their app services by reporting problems that dont exist and failing to update my XXXX XXXX, XXXX, and Experian reporting, and reporting illegitimate fico scoring that doesnt apply to my current credit status.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (NJ)

In early XXXX XXXX XXXX called me in hopes of recruiting me into their company. I spoke to XXXX for 2 hours and he asked me about the reason I attended a business seminar called XXXX XXXX which is how he got my number. XXXX explained to me that this mentorship offered by XXXX today would help me elevate my business and told me that I was purchasing a business mentorship. They initially changed me for {$19.00} as an initiation fee. On XX/XX/XXXX was the day i had my first meeting with my mentor XXXX. After talking with XXXX, I realized that this was not a business mentorship as promised, however is was a class based on the law of attraction On XX/XX/XXXX I called to talk to XXXX cancel because this was a bait and switch. I called to have the mentorship cancelled. I spoke to a customer service representative and explained to them that I was promised a business mentorship, however I received a laws of attraction class. They opened an investigation and promised to get back to me.I continued to follow up weekly with various representatives with no conclusion. Finally, I spoke to a representative, XXXX about 3 weeks later and he confirmed that I was in fact misled by my sales rep, however they said it was too late for me to cancel. As an alternative they offered to reassign me to someone else. I explained to them that I felt scammed and would not like to continue with the program and would just like my money back or to simply have them cancel the mentorship and future billing. They refused and say I am out of the 3 day cancellation window. I believe this is never unfair because I didn't even have my first session within those 3 days to know whether I wanted to continue the program or not. 

The Class was for 1 year {$4400.00} which I could not afford the one time payment so they offered me a payment plan. I accepted and am now paying {$160.00} for the next 36 months totaling {$5800.00} On XX/XX/XXXX I received a phone call from Monterey Financial Services saying that if I do not make a payment there will be a negative credit report reflecting on my credit record. I have tried to call them numerous times today on XX/XX/XXXX to try to dispute the billing but was fortunate enough to get a hold of someone. What " XXXX XXXX '' is doing is fraud and I would like help in resolving this issue.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC (AL)

XXXX still showing as not paid when my checks were garnished in XXXX and is paid in full. When I talked to someone at the office they are waiting for the courts to release this. This is seriously impacting my credit especially since the debt was paid.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

On XX/XX/2020 XXXX finance stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 XXXX, XXXX, and Transunion are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX I am a consumer and natural person I'm writing this complaint as a victim of identity theft. XXXX and Equifax has used and furnished my consumer report without my personal authorization, or written consent. XXXX and Equifax shared my nonpublic person information to other companies. I have a right to privacy and XXXX and Equifax has violated my rights by not exercising their grave responsibility to protect my non personal information with fairness, impartiality. and respect to my consumer rights to privacy. XXXX and Equifax are in direct violation of the Gramm Leach Bliley Act of 1999, and the FCRA. pursuit to 15 U.S Code 1681c-2 Block of information resulting from identity theft. I demand these fraudulent accounts be removed from my credit report with in the next 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

My loan is owned by XXXX XXXX and when I ask my mortgage servicer for covid-19 forbearance, PNC said they don't have to follow the federal guidelines and offer mortgage modification. per the federal guideline, I should be able to wave my payment for 6 months without penalty or credit hits
Consumer complaint received 2022-09-16
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-14
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)

Experian Report Number : XXXX Date Generated : XX/XX/2022 Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. 

The information is inaccurate. XXXX XXXX is unable to produce authentic proof that accounts or loan obained belongs to me. Yet they are not correcting the issue. Nor is Experian who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to XXXX. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. All 3 parties ( XXXX XXXX, XXXX, and Experian ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied for the debt, not I ever heard from any of these 3 parties about it until I saw my score dinged by experian. 

I am a victim of all these 3 agencies. All 3 credit bureaus, XXXX, and XXXX XXXX. 

Similar is the case with another reported debt XXXX XXXX XXXXXXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$470.00} This too is not a verifyable debt. I am not sure if information provided to justify this debt is 100 % accurate. 

Under Fair Credit Reporting act, 15 U.S.C. Sec. 1681i ( a ), if anything on reported account is not accurate, the account must be deleted and/or provide me with credible court admissible proof of why the negative reporting against me is justified.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

There is a charge-off showing on my credit report from XXXX XXXX XXXX that should not be, I was in a wreck, and I didn't find out there was a balance until the insurance company submitted the check! I have attached all the paperwork with this complaint, that show and prove that the balance was paid in full! Please remove this charge-off from my consumer report.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, account ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This credit account with XXXX XXXX  has been opened without my consent and it needs to be closed and removed from my credit report immediately.
Consumer complaint received 2020-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (NV)

For the past 2 years I have been trying to get this problem resolved. There are XXXX accounts on my credit report that are not mine. I have requested that they be removed several times via dispute and I have requested proof and documentation that I applied for these loans. I have yet to receive the proof that I asked for because I have never applied for or received any loans from the XXXX places. 

Rapid Cash and a company called XXXX XXXX are saying that I took out a loan with them, I have been on Social Security since 2013 I do not have an Income to even afford a loan of any type my income won't even get me approved for a loan.
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now  reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX