davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

Several years ago, after repeated public disclosures of credit breaches, I went to the primary Credit Bureaus and established Credit Freezes. During the process of opening accounts a different financial institutions I was successful at releasing the freezes for a week or so and then having them established. I then had an issue with going online with Equifax to have the freeze opened for a week, and was rejected from the account. After several attempts they totally blocked my IP address and would not let me even attempt to access the account. I eventually reached their data center, and was told to fax my passport and driver 's license, which I did XXXX XX/XX/20 XXXX. After several weeks and no response, I mailed them another follow up confirming the fax with passport and drivers license and asking what more was required ( XX/XX/20 ). What was amazing was the on XX/XX/20 I received a notice ( dated XX/XX/20 and post marked XX/XX/20 ) telling me my security freeze would be lifted from XX/XX/20 to XX/XX/20. I could not believe it. I asked for a name of a person and a contact number to resolve the issue. I never hard from them. 
I have tried dozens of times to contact Equifax, but their systems do not allow me to even register a complaint. I get dumped completely. 
What is interesting is that they do allow you to buy a monthly membership to MyEquifax, for a fee, where they will allow you to talk to a person. The organization that controls the online access to remove freezes is a separate organization and they can only transfer you call, to an automated system that will just kick me off the call. It almost sounds like they are trying to extort a monthly fee to be able to access your personal account. 
What can be done?
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (GA)

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to Fair Collection accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager SPAR states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IN)

I have requested validation of debt in XX/XX/2020 on two accounts with LVNV Funding and no response was given, yet when I started an investigation with all 3 credit bureaus, the results came back as verified and updated with no proof. I have went through at least three rounds of disputes and the collection company still claims all info is accurate yet information like open date and last activity are different across each bureau. There is also a past due amount reported on both accounts which is an FCRA violation. These accounts have also been removed/closed from my credit report on all bureaus but have been placed back or reopened on XXXX  and XXXX  which is also illegal. I demand these inaccurate accounts to be removed.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prospect Financial Group, Inc (CA)

AFTER REPEATED COMPLIANCE TO REQUESTS FOR FINANCIAL INFO - NO RESPONSE. NOT SURE WHY INFO IS REQUESTED - TAKING HOURS - AND FOLLOW UP EMAIL INQUIRES, CONTINUES NO REPONSE. 

MULTIPLE DATES OVER ONE MONTH.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (IL)

I did an online application to open a checking account with BMO Harris, after I completed my application they requested a copy of my light or gas bill showing proof of address which can be with in 60 days. I sent my light bill over that I just received and has a XX/XX/XXXX date. They tell me they cant open my account because my bill is past due. Which for one it isnt. So I stated you requested my light bill for proof of address not how I pay my bill. I believe that is unfair service. I have another account and was never turned down because of how I pay my bill.
Consumer complaint received 2020-11-17
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 (CA)

I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX BK OF AMER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc. (NY)

Cybrcollect is showing up on my credit report stating I owe {$420.00} and {$120.00} for XXXX. I have never heard of this. I have also never received anything in the mail. I would assume the company would mail me something.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke with my XXXX XXXX account rep, and was asked several security questions to confirm my identity. The questions were about a car loan and a student loan that were opened this year. I have not opened any loans. I am actually living in XXXX for the last 5 years, my company XXXX, transferred me to their XXXX XXXX office. 

The XXXX XXXX rep told me to get a copy of my credit report, so that I could answer the questions. When I tried XXXX, neither XXXX, Transunion, nor XXXX  were able to give me the report. I have screen grabs of what the messages were and can attach. 

I tried calling all three agencies, but could not get past the phone menus to speak with a person for support. I called the Consumer Financial Protection Bureau at XXXX and they recommended that I file this complaint. 

I have a grave concern that my identify has been stolen.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

I have written to Victoria 's Secret on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding late payment that being reported to credit bureau. Victoria 's Secret is reporting to XXXX  that I paid a payment late XXXX  XXXX  30 days late but is reporting with XXXX that it was paid on time. They are also reporting to XXXX  that I was late in XX/XX/XXXX but XXXX  that the account was paid on time in XXXX. This information is not true the account was paid on time. The company is reporting incorrect information on my account. I have multiple account numbers but only had on account with this company. This company is reporting Account number XXXX with XXXX, Account number XXXX with XXXX  and Account number XXXX with XXXX. Then another Account number XXXX with XXXX, Account number XXXX with XXXX. This company would deleted then re add accounts to my credit report and this has been happening for the last 4-5 months. This company is reporting inaccurate information on my credit report.
Consumer complaint received 2022-02-15
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. (FL)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2023-05-25
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. (VA)

In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy .

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that their information is inaccurate Someone needs to hold them accountable for this the credit bureau have no respect for the laws.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX XXXX XXXX  XXXX Transunion XXXX Second Round XXXX   XXXX XXXX  XXXX TransUnion XXXX
Consumer complaint received 2020-11-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (WI)

Was checking my credit and saw a collection from Blakely and Witt associates saying that I owe XXXX to them and original creditor is XXXX XXXX XXXX  XXXX. I do not know who that company is. However I do know who the XXXX XXXX XXXX XXXX is. I lived there for 1 month. So I do not know how they came up with this figure, and 2nd I do not have a balance with both companies. So I would like for this inaccurate, Inflated charge to be removed from my credit. It shows up on all 3 reports.
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (UT)

XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.
Consumer complaint received 2020-11-17
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. (TN)

I am complaining about continuing fraud by Experian in their non-responses to this monitoring bureau. Experian has on three occasions lied and stated that they can not determine the identity of who I am filing this complaint against them. That is a blatant lie. In each complaint I have attached more than sufficient information to prove who I am as well as filing documents that are self-authenticating in that they are copies of documents that I sent to Experian and not one else could have access to them.

Experian has failed to remove blatantly unverified false and erroneous, incomplete accounts from my report in spite of four certified letters signed by an agent of Experian and which demand for proof of verification and the information I am entitled to under section 609 not within the 15 day DEADLINE, WHEN THEY HAD A MANDATE TO REMOVE THE ACCOUNTS OR AT AL!. 

The following accounts are inaccurate, incomplete, false, too old, re-aged, erroneous or not mine and must be deleted under the law : 1.XXXX UNVERIFIED XXXX XXXX UNVERIFIED 3.XXXX XXXX  XXXX UNVERIFIED 4XXXX alleged bankruptcy XXXX UNVERIFIED 5XXXX alleged bankruptcy XXXX UNVERIFIED 6XXXX alleged bankruptcy XXXX UNVERIFIED 7. XXXX XXXX UNVERIFIED TOO OLD FROM DOFD 8. XXXX RE-AGED AFTER DELETION I am attaching a copy of my drivers license which is the new certified driver 's license that works in lieu of a passport if desired. CLEARLY THIS PROVES IT IS ME. 

I am attaching copies of three of the certified mail receipts to Experian with signatures that prove they received the formal demands under 609 for proof and details of verification and my consumer file. The have had three 5 day time periods to proffer the required documentation and they ignored these legal requirements and flaunted the law. Regardless of what they allege they have " verified '' which is a fraud as I have the letters from XXXX where they allege verification was given, they have missed the legal deadline three times and they must delete the items regardless of any alleged documentation they receive at any time in the future. The law required deletion of the identified accounts immediately.
Consumer complaint received 2020-11-17
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. (PA)

I am disputing the following information for identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have contacted these creditors asking for documents and verfication of these items and the creditors can not provide me with anything that link these accounts to me. I never had any accounts with these creditors ever and I am asking the credit bureau to remove these fraudulent accounts from my credit report. My ID Theft FTC Report number is XXXX. I have also attached a copy of the report to this complaint.
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

I was hospitalized from XXXX to XXXX in XXXX ky I have state XXXX which I fully covered I received a bill from GLA collection company telling me I owe {$560.00} for service received from XXXX XXXX XXXX I called XXXX. Insurance they said it covered so I called GLA to respond to letter they were rude told me it's in my name pay the bill would not even let me explain what I found out from XXXX  I want it remove immediately from credit it hurt me getting a loan & credit
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Original Creditor XXXX XXXX XXXX XXXXXXXX, Account/Card # XXXX, Original Debtor : XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Original Debtor : XXXX, XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Original Debtor : XXXX, XXXX XXXX, These accounts have been purchased, and should reflect paid on credit report.

THE FAIR CREDIT REPORTING ACT 623.

Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Direct Recovery Services, LLC (CT)

My name is XXXX XXXX. Yesterday I received a phone call and voicemail message by someone who self-identified as " XXXX XXXX '' saying that he was calling to enforce federal law against me but did not identify what kind of matter was at issue or what agency or organization he was calling from. The same call was made to my brother 's telephone line about me. 

When my attorney and I called back the number ( XXXX ), the person who picked up identified himself as " XXXX XXXX 's manager '' but refused to explain what the matter was at issue, did not identify himself at any point as a debt collector, or provide any information about what organization he represented with my attorney present, providing only a fax number to have my attorney show power of attorney, at XXXX XXXX XXXX XXXX. 

From an online search, that fax number is associated with a firm named " Direct Recovery Services , LLC, '' with the following contact information : XXXX XXXX XXXX XXXX 1, XXXX XXXX, MN XXXX http : //www.directrecoveryservices.com/ ( XXXX ) XXXX To my knowledge, I do not owe any consumer debts. While I ordinarily would not file a complaint for a fraudulent scam to collect a nonexistent debt, I wanted to file this complaint officially because they misrepresented themselves to be federal officers and this could pose a real threat to unwitting consumers.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I submitted several claims for a company that was pulling money from and they keep denying them. Not because they received information from the company but because I was funding my account, and because they were giving the companies my card information after I changed my card number and put a stop payment on the account. I even advised them that I tried to contact the merchant as they advise you to do before filing a claim and they used that information against me.