davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2022-08-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NC)

I had a Milestone Credit Card that was issued by Bank of Missouri but serviced by Genesis FS Card Services. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at Genesis to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX  and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But Genesis reported the account as charged off. I filed a complaint with the XXXX  and this was the only time I got a response from Genesis. They stated they would pull the account back and remove the charge off in XXXX days this was XX/XX/2022. On XX/XX/2022 Genesis has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and Genesis stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked Genesis to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have this account since 2014 with excellent payment history with a limit of {$14000.00}. 
always was on time payer. i have a balance of only {$500.00}. recently i have a conversation with a XXXX agent, she informed me that i am allowed to add up to 5 or 6 authorized users. so i added 4 persons that were my cousins. suddenly bank of america decide to close my account while i was in the middle of my home financing and this caused a big harm to my credit score as this account was the oldest account i had in my credit report. i am very upset with this unfair decision and request them to consider my relationship with them and reopen my account. they caused a big harm to my home finance process. this is not acceptable.
Consumer complaint received 2022-07-07
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: Bread Financial Holdings, Inc. (CA)

Since the middle of XXXX my credit report has been reporting errors and inaccuracy that XXXX HAS NOT BEEN ABLE TO OBTAINED AND SECURED the correct verification of the correct status of the tradeline for XXXX. From XX/XX/XXXX I have made multiple attempts to be able to connect with the right party who can assist on this matter. The investigations completed on this tradeline have been verified as accurate and then after a re-investigation the information disputed was deleted since transition was not able to verify took it upon themselves to just marked as unknownn because the furnisher was not able to verify the information disputed. Both parties in concert have been giving me the run around and blaming each other for the inaccurate status of the tradeline. I also disputed the information directly with the furnisher via phone multiple times, via cert mail signature required/receipt and to my surprise the person who signed the label does not even exist in the employee directory ; now they are hidding and avoiding to provide the documents that are needed to verify their mistakes in the payment status of the tradeline. My rights have been violated and even after putting both parties on notice, they continue to do so. I am entitled to fair credit reporting and equally among every consumer, I feel ignored and discriminated since nobody seems to be able to fix or care ; hoping that I will go away. I have exhausted all my efforts and now reach out to the CFPB to help on this matter.
Consumer complaint received 2022-09-27
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: LEXISNEXIS (GA)

XX/XX/XXXX XXXX sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating that " They do not report any bankruptcies to anybody.So if that's the case.How did the credit bureau add my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 section 603 ( 3 ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1881. According to 15 USC 1681 section 602 A. States I have the right to privacy According to XXXX Section A Section 2 also states..comodi.ac. can not XXXX account without a XXXX instructions. LexisNexis is lying I have included a copy of the photo I sent them that is date XX/XX/XXXX with a email from pacer that they do not report anything to credit bureau nor do they verify information. I also included a copy of certified mail date I sent a copy of my photo.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Recovery Solutions Group, LLC (AR)

Recovery solutions ( XXXX ) sent a letter to me for a debt from XXXX XXXXears ago that was paid in XXXX. The original balance of the debt was over XXXX but under XXXX, but recovery solutions was trying to charge me XXXX for this old debt that was past the statue of limitations. I advised XXXX ( XXXX ) the debt had been paid to XXXX, and XXXX also has no record of said debt. I also asked for validation which she said she did not have as XXXX archived said debt. My XXXX XXXX is over XXXX so I did end up settling ( again debt was paid in XXXX but being over XXXX  years I did not keep record of that ) for XXXX. When I brought up that XXXX has no record I was threatened with court and all the charges for the court process. Also, the only communication I received was a letter that did not have XXXX on it.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Healthcare Receivables Group, Inc. (NY)

I disputed an account, it was removed from all the other credit reports except for XXXX. I received verbal confirmation that it had been removed from Healthcare Receivables Group on XX/XX/2022 when I called on XX/XX/2022. I paid the original creditor on XX/XX/2022. I submitted a dispute, but according to XXXX the debt collection agency, the original creditor is still reporting the account as unpaid and open to XXXX I've been getting the runaround from both companies about how to proceed. I had another verbal conversation that it had been removed on their end ( HRC ) on XX/XX/2022, and that it is no longer with them per their supervisor. I had received additional confirmation that it had been taken off of the report on XX/XX/2022. 

Health Care Receivables Group 's contact info is XXXX XXXX XXXX XXXX XXXX, the original creditor 's contact info is XXXX XXXX said that they can't remove it unless XXXX reports it as removed and that they will do so as soon as it's reported to them, XXXX has said that it's up to XXXX to remove it. Receipts are attached, it's been paid in full. I'm very frustrated and tired of getting the runaround from both companies.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IA)

Account is stating incorrectly on credit report previously account was stating as a collection, derogatory and charge off all at the same time with XXXX XXXX and XXXX XXXX was not reporting any data account on credit report. Requested to verify or delete as I do not recall having this account open. I did not receive any documents verifying debt as mine rather results to investigation came back still reporting incorrectly. Account is now removed from collection to back to a open account type. XXXX is reporting comments of collection yet records payments on payment history Stating as OK as agreed all the way from XX/XX/XXXX to XX/XX/XXXX with120 days late on XX/XX/XXXX where previously account had no history whatsoever. Completely forgetting to record payments on date last payment. XXXX is reporting consecutive charge off from XX/XX/XXXX all the way to XX/XX/XXXX as if it was some sort of payment method. Date last active is incorrect stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX by XXXX and XX/XX/XXXX by XXXX. This account is a total mistake there is no possible way that account can go from collection to back to an open account reporting no payments to adding payment history on one bureau and then the next bureau reports the whole opposite no doubt account is a mistake itself.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had an account with bank of America and my debit card was stolen. I reported the card stolen in the summer of 2020 and someone tried to enter a fraudulent check into my account. Bank of America immediately closed my account without investigating an put my name into the checks system. I can now no longer open a bank account with another company until I get this resolved. I have tried to contact the bank multiple times and have not received any help. When the check was entered I immediately didn't have access to my online banking so I could not see what was going on at first. The check was entered at an ATM in the state of Florida and I was in Texas at the time where I reside so I did not understand why I was being punished.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

sender sent {$2500.00} from XXXX in XXXX XXXX. recipient went to XXXX in eastern XXXX  only to find out XXXX has policy of {$2500.00} per day. both XXXX and XXXX are at fault to allow transaction knowing that this can not be processed. sender is on fishing boat don't know why XXXX wants to talk to him as they verified his id when the funds were sent and XXXX won't do anything. question is how can XXXX contract with XXXX  knowingly their limits? so where is this money sitting at XXXX XXXX? 
fyi I am not sender nor recipient just a mom trying to help her daughter resolve this cluster ... calls were made by me and her to XXXX and they won't do anything to help her. XXXX says contact moneygram!.
Consumer complaint received 2022-08-22
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. (MD)

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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc. (AZ)

I'm not too clear on the date but my account was suddenly frozen to assumptions of fraudulent activity. From that day since have I've tried to contact their fraud prevention team in order to clear up any misunderstanding and hope to rectify the problem with my account. I stopped calling cause never gotten a response after leaving numerous messages with a reliable call back number as well the reason why I was calling. Approximately a year has passed since I made contact with SoFi, who I was banking with, and as of to the thirtieth of last month over a week have I tried to contact the fraud prevention team to close my account and see if they're any necessary steps to be taken in order to do so. It is now the XXXX of XXXX and still haven't heard anything from their fraud prevention team. I'm upset, confused, and frustrated of how I'm being treated by this financial institution.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America placed a 9 day hold on a cashiers check. 
Deposited on XX/XX/2022 and was told it will clear on XX/XX/2022. 
I have been making several deposits in my business account even for bigger amounts. 
I always have a hard time dealing with them due to their extended deposit hold practices. 
It is really frustrating when triying to run a business properly.
Consumer complaint received 2022-06-10
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: Santander Consumer USA Holdings Inc. (GA)

On several occasions I requested that SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. SANTANDER CONSUMER USA has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to SANTANDER CONSUMER USA was XXXX of XXXX. However SANTANDER continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing SANTANDER CONSUMER USA, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the XXXXedit Reporting Agencies allowed SANTANDER CONSUMER USA to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX SANTANDER CONSUMER USA is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).

Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that SANTANDER CONSUMER USA is removed from all Credit Reporting Agencies immediately